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I love BG when cleaned! I still need to give mine a good clean but I just cant be bothered knowing its just going to rain straight after :( Wish I didnt have such a long commute lol!
Your doing the right thing, for the sake of £150 he is not going to spend £x on legal fees, then there is his time etc. He really is just employing scare tactics and with no grounds. Its actually making my blood boil just reading this :/
See now I had P zero neros 205/45/16 on my Fabia VRS, drove to the Nurburgring and went round etc and I thought they were brilliant tyres for the money.
Im 23 with 5 years NCB and my 182 was £620 for the year with Bell. I remember at 18 however when I had my first 182 with 1 years NCB it was £3800 with Admiral.