Hi Nick,
No wife doesn't have a policy. I got your private message, but system wouldn't let me reply - because I'm new to the forum?
I did go back to Fortnum James again and hoped to persuade them to talk to the underwriters. Alas they said there was no point and declined to do so. I've been with them for several years with a totally clean record. The only issue is the car.
Thanks very much for your help, Dave
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