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🅑🅐🅣🅣-
Why, you didn't have any?
I do have some experience of working with insurers and am pretty sure they wouldn't risk chalking up a £1.3m liability to dispute £75k. Insurance policies aren't a blank check to pursue litigation against people - you might be able to get specific litigation insurance, but that isn't cheap.
andyfallsoff
There's no way public liability insurance will let you defend a case you've lost 75k on because you dispute the result.
An insurer would want control of the process and they'd make you settle, or drop the appeal.