A very quick update here. I've viewed and read and am up to date with the progress of this thread and the attention and time you have devoted to it has and not been lost on me. I have high gratitude and want to thank CAG without reserve. Yes I will upload letters very soon. My Mum goes through periods of sickness. These come and go and unfortunately, she's sick at the moment and until it passes she'll be very poorly. As soon as she rallies again I'll be back here with the uploads. I'm wouldn't leave this thread without being part of its conclusion and fully intend to share all things that lead to that. This thread means a lot and please don't think any delay in my postings mean it has lost any of its importance to me. It hasn't and nor will it. My respect and thanks.

Many thanks for your guidance and advice. All is welcomed. Will form any future posts more concisely. Insurer was Hastings Direct. 29 years of accident free driving and years spent as one of their clients and I am cancelled with no email notification or phonecalls and only one or two letters received. (We live on a very long road with many identical house numbers and very similar post codes and much of our mail goes astray.) They seem to lacking in loyalty to loyal customers.

Reversing out of a parking space in a tiny car park (room for maybe ten cars at a pinch) of a Caravan Park, my car came into contact with another... Rear bumper to rear bumper. I had a dent. His had a crack... Nothing major. A bump not a crash. He made a note of my reg and took my phone number just in case but we were both of a similar mind and parted with a shake of the hand and the prospect of a visit to the repair shop when the holiday was over and then driving back home with our NCD record intact. Two weeks after I received an Accident report form from my insurer informing me that I had to complete it and return it within a 7 day period and failure to do so could result in the cancellation of my insurance policy. Third party had decided to make a claim against me. Seven days is time enough to complete and return a form and ordinarily, that's what would have happened but the short caravan break was the last chance my Mum had of ever seeing the sea again. Its something she dearly wished for and, although we didn't get much time away from the caravan, she did see it and I have photos and a video of her looking out to sea trying to count ships on the horizon and she's smiling. Mum has terminal lung cancer that spread into her brain. I'm her full time carer and she'll never see the sea again. There's just Mum and me and I hide my upset from her... I know she hides hers from me. The heatbreak twists my insides and my mind threatens to explode with all the despair and hoplessness and others in similar circumstance will clearly understand this is more than enough to offer as a reason and explanation for neglectfulness and that 'fill out that form' is a thought that, unfortunately slipped out of mind until it was too late. Now I am uninsured and Mum and emergency Hospital visits means I'm desperate to be on the road for her sake. Taxis are too unreliable and Ambulances are surprisingly slow. If Mum gets an infection and her temperature rises I have a short time frame to get her to the emergency ward. If There is any insurance company willing to insure me up until the day Mum leaves me then the next day I'd present my car to them as a gift. I'm scared to ring and ask to be insured. I don't know who to ring. I'm scared, if rejected, I'll make everything worse for us both. Does anyone know an insurer I could contact and risk a little trust? I was late returning a form... No more.