Well, I cannot QUITE see where I was 'well of of touch' (apart from brekkie), but never mind
I notice you have not mentioned 'LOA' and 'DOA' or whatever they are/were called? For the sake of completeness for our original query, I'm sure 'duffone' would like to know about the odd extra £10 you get/got - for the claim. Unless, of course, 'they' have taken that away too?