Thanks Norman, we didn't have any choice about payment, it was cheque or virement. I have however asked for the return of the cleaning fee. I was a bit surprised by how quickly the agent said, "no none of your policies (health, house, car) cover that", but OH has checked the small print and I think it is the case. Just bad luck really and thanks all for the good wishes. I am (just about) adapting to life in a full leg cast.