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    To update: This emailed back to me this morning from my client:

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    Thank your friend for me, very kind of her.

    I contacted PALS yesterday, marvellous people, little terriers with access all areas! I will let you know when I hear anything.
    I have to say the lady at PALS was the only person who actually understands how distasteful this all is for me. XXXXX died 4 months today so, still very raw, and "fighting" to obtain money just seems so wrong.
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    I expect to get a call from the insurer this morning to see what they say.

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