gutted for you mate. the mrs works in insurance,fraud, intelligience type stuff. shes in london just now but il speak with her tommorrow. i think it would be classed as a civil matter, ie you chasing them. but i cant help but think there is an uninsured loss type thing for this kinda situation. il speak with her tommorrow see if she can give a bit of advice. although usually when i start conversations with ,, right this guy on that forum am on,,,she usually switches off pretty quick