snorg] I think you are being rather unfair on bob's neighbour. Most people (I imagine) envisage car insurance as covering them for accidents with people they do not know and for large amounts of money. Now Bob is in the unfortunate position of having just had his car cause damage to his next door neighbour's car in an incident that seems to be 100% the fault of !mrs. bob. Admittedly the "man from Audi" coming and knocking on their door does not endear me to the neighbour, but but but the fact remains that bob has to live next door to these people. We do not know what bob's relationship is with them(good/bad/nonexistent) or what kind of people they are. Certainly though I think it is unfair to criticise them for trying to save money on their car-insurance. I would advise bob to simply give them his insurance details and apologise profusely maybe even give them some wine etc. If they ask for any excess he should say that their insurance companies will deal with it - after all that is what they are there for. What I would envisage happening is that bob's insurance company will pay the claim, and that the excess will actually apply to bob - because the neighbour is actually not using his insurance - other than to deal with bob's insurance company. Hopefully this will all resolve very amicably as I am sure it will and the little two year old will get over her cold and the weather will clear up and flerdle will wake up full of hope joy and love and the eight-year old will go on to be elected RULER OF THE WORLD and a new regime of LOVE and KINDNESS will prevail and humanity will evolve to a new level of peace and understanding and this will all be looked back upon as a fond memory in a happy and distant past.
GS] having had a look back you appear to have made no mention there at all. Perhaps I just looked at the quotes page and saw predominately female contributions - I think I assumed you to be Anne ? No matter. You shall remain as ambiguous as you desire. Personally I am actually not a Welsh Monk at all, but rather a Seahorse, with no particular amazing qualities (for a sea horse anyway), from Tasmania. I do have a very pretty tail though.