Thought for the day

"I offered my opponents a deal: "if they stop telling lies about me, I will stop telling the truth about them"." -- Adlai Stevenson, campaign speech, 1952

When thieves ripped the catalytic converter out of Will West's car in broad daylight, he thought that was as bad as it could get. 

The 40-year-old piano teacher had left his Honda Jazz safely in a multi-storey car park in Chichester, West Sussex while he went to give a music lesson. He was horrified on his return to find his car rendered unroadworthy. 

But when Will contacted his insurer to make a claim, the situation became even worse. Like thousands of victims of this crime, he was told the theft was deemed a 'fault claim'. This means he would have to pay an excess amounting to hundreds of pounds to have the car fixed. 

He would also lose his no-claims bonus, probably bumping up his next year's premiums by at least a quarter – a penalty that alone would add nearly £140 to the £554 cost of the average car premium.