… and incidentally, I take the view that a secondary contract – in this case, the separate "insurance"/compensation contract is unfair because it seeks to limit the rights of the consumer in relation to the main contract (the delivery contract). You can read about it here:       As I have said, I have not seen the claim form in the case which you referred to above, but I doubt whether it makes mention of section 72 – and that along with the problem of the judge lottery, is