Rather than start a new thread thought I would keep all the information into one area.
Mine just started to melt at 3 O'Clock, seeing as the car is 5 years old in September and only covered 20,000 miles I decided to give RUK a call to see if they would help with a replacement.
Well I just got a call back from them today and was very surprised to hear them offering 80% leaving me to pay £51.
I did not deal with RUK myself as I way busy with work but I was told they were very polite and friendly, phoned back when they said they would and did not try to wriggle out of anything.