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Thanks for that link - that is horrendous!
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try running the potential points situation through www.confused.com AFAIK points aren't punished as much as they used to be, as more and more people have them.
I did think of doing that but didn't want to alert the insurance company to the possibility of points going on.
So effectively, one scamera attack on someone also covered by someone else's insurance, as well as their own, to all intents and purposes insurance-wise convicts a totally innocent person.