Thanks for posting on that thread Ruthyroo - it motivated me to just go out and do it. What a mess for you - I'm really sorry and all for the sake of a month. You would think the fact you had paid your insurance regularly would be some kind of mitigation and that the insurance company would pay at least for the other vehicle.
Well after putting it off for ages - it was a breeze. Got 100% on the scratch test after reading the whole thing through once ages ago and then spending a couple of nights going through just the answer section. So anybody worrying about taking the scratch test - don't. If I can do it the way my memory is these days, anyone can.