[Steve Smith]

You may find yourself having to file against the owners in small claims court to recover the balance of the amount lost. At least thats how it works here in the States.

UK small claims is for up to £5,000 so unless there is a way to legitimately split this into several claims, I don't see any benefit over taking the insurance money.

The £5,000 figure would have been included in the original contract and/or terms and conditions so unfortunately, I don't expect that the company has any further liability anyway.


Steve.