Ingah, just because I (or anyboby else) has FC ins. Does not mean in the case of an off we would put a claim in ! But if needs be we could. Also TPF&T, if you have a no fault accident who are you going to approch, to pay for your repairs ? Your insurance Co. no they are not interested, the at fault party's insurance ? He/She has no legal obligation to inform them. Point I am making is you must add the cost of legal cover to take this into account or go to the 'no win, no fee' ad's. Which is also a joke as most solicitors will do that anyway (even 'NW, NF', don't take it on if they think they will lose). This is through bitter experience, and the other (at fault) party had been charged, gone to court, found guilty, fined and had points on his licence. My TPF&T company would still do nothing, when I asked why I paid them all the money I had they replied, "it's the law, you have to be insured", Oh btw I could not get any company to insure me FC at the time and I had several years NCD.