Okay, no surprises. They are defending on the basis that you didn't ask for any compensation cover. There are also requiring that you prove the value of your loss (which I understand you have already done). They are asking for mediation. Please read around the Hermes threads on this sub- forum and particularly see what has been said about compensation cover and the unfairness of being required to protect them against their own negligence. Read what has been said about the u