"You have saved me a one-day return trip to the UK so for that I (and the environment!) will be forever grateful. Thanks again for being so awesome - it does seem ludicrous to have such rigid rules when it so easy for these things to happen and punish those who want to pay for insurance/ be adequately covered. This is most certainly a common sense approach which should stand you in good stead. Wishing you the best for 2016"