Thanks bednobs - I don't have to justify my academic qualifications but suffice to say that I have them, and one doesn't need a PhD to manage liability claims.
The statement about my trying to avoid claims is a load of rubbish, I didn't work in an insurance company but in a high risk industry so I'm extremely familiar with claims procedures (which haven't changed in the intervening years).
Of course much of what we say is from personal experience, which is why there are caveats on some of the threads saying "whatever you read on here shouldn't preclude you from taking proper legal advice". Some people's arrogance on this thread is mind-blowing.
Debz, I hope nothing comes of it - but if you do nothing else, as I suggested do write it all down now, just in case you need a record for future reference.