[JerryXt]

funky, I had a case against me where a bloke wanted me to pay £12 for a broken mirror glass. No proof it was me but I offered to pay outside the insurers without admitting liability. He wanted to go through insurers to make me lose my ncb...

Anyway, I learned that it costs about £1K just to attend court. On top of that, you have the cost of preparing a case and if you lose, you get to pay the other sides costs. You've got a strong case, so the chances of the other side having to pay out more than the 25% liability are high. They may be inclined to talk again.