Hi everyone - thank you so much for your responses. I called Clarkes this morning when the incuident happened and the guy I spoke to tried to imply I was mistaken about it being a Clarkes coach and told me to speak to the police, which I did but I actually have to go in person within 24 hours... anyway. Having read your posts I called back and spoke to a much more helpful lady who said their insurance person doesn't work today but I can call them about it tomorrow, so feeling more hopeful. I'll let you know the outcome!