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@Markyboy
Without wanting to get on a high horse about this, if you'd crashed into me on your commute, or knocked on of my kids over and injured them, who would I be looking to pay out for the damage or the medical bills? I wouldn't want to be waiting ages while your insurer and solicitor argued about it. I know it seems harsh and unfair that you're being prosecuted, but you're not really the victim if you rode to work knowing you didn't have commuting on your policy.