Well I had a sleep and do feel much better!! D came home and dived straight back out to fix my car alarm key fob, some soldering and a new switches and I now don't need luck to get in the car!!
I suggested we go to the tropical house at the weekend for some piccies and he's agreed it would be a good idea. I'll try to think of something in the week too.
He knows about the insurance letter but hasn't looked at it yet or decided what to do.
What a difference a kip, some good advice and a load of encouragement make!!!