Hi Fitz – ring the Office of Fair Trading (sometimes called Consumer Affairs) in your State, they will at least give you the contact details of the Insurance Industry Ombudsman who invesstigates all complaints re insurance companies – they are usually free and their rulings are final and binding.

If you want revenge and want to stuff up your tenant – take your court judgment to the Credit Reference Association – sometimes called Baycorp Advantage or Credit Advantage – use it as evidence of the $2,500.00 debt and register it against their name in their credit rating – that will stuff them up credit-wise for the next 5-7 years!