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    I think they should, my wife has claimed when non...

    I think they should, my wife has claimed when non fault via her own fully comp once and via the 3rd party directly once. Via her own fully comp was an utter ballache and she did pay the excess...
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    You claim all that back from the 3rd parties...

    You claim all that back from the 3rd parties insurer. You could have done the entire claim that way (I'm assuming the cock in question was insured, if not you have to take it through the MIB).
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