I think that Nooey and her DF weighed up the options that if they were at fault they would have to pay up.
I don't think it is their fault that the insurance company wouldn't cover them.
Many insurance companies wont cover motorbikes but that is not their fault either.
Nooey posted asking for support.
So Nooey hang in there sweets, I hope it all gets sorted out for you soon, minus a few headaches.
1 monkey, 1 diva = the love of my life