Oh and BTW most insurance companies will not check up if its a claim for a few hundred quid not that theres much to check up when its the Phils anyhow.Its all about how you word your covering letter and put the claim together.Dont let them fob u off either,keep on the claim adjusters case week afer week and day after day.Thats the way to go.If you need any help just drop me a PM and il help u out with your claim