Haha don't worry pal! I live in Bradford it's terrible here for it.
I literally worked myself up about it and decided the worry wasn't worth it especially after the insurance claim (my fault).
Gutted but think it's the right thing to do until I get some no claims!
Cancelled my S3 last minute due to an accident effecting insurance and an S3 getting stolen locally where they beat the lad to a pulp!
I couldn't risk another insurance claim so had to pull out of the deal but I wouldn't be as concerned if I didn't already have two claims!