Thanks for replies.........
To give a clearer picture. There are 2 personal injury claims (one already settled). The accident happened closely prior to renewal date last year, claims were only made after I had renewed. I had no protection (the first time in a decade I'd say), was trying to keep cost down, as it had rose sharply in the previous yr or two. I'm expecting a high quote, but am thinking if its in double figures........I'm out of business.