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Well, of course, Anon 9.38, you're quite correct and I had not thought otherwise for one moment. As with all insurance it is just a back up, claimants do not sue insurers, they sue their insured.

And, again of course, I should have asked will the ABS's insurers pay the bill in respect of a claim the ABS's predecessors generated?

Apologies for worrying you, especially on a Friday evening at 9.38 when we all have better things to do, or to drink anyway.

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