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As it stands I'll accept that as the pay-off for the whole bump being done and dusted inside 10 minutes. Although ask me again in a few weeks, and I'd imagine my opinion will be somewhat different.

Someone tapped into the back of my car this morning, breaking my rear light casing. She almost instantly told her insurers, who called and text me. I got back in touch. By virtue of the nature of the claim they offered me £300 to get the job done, 10 minutes on the phone, end of claim. The...