My well maintained, regularly serviced car broke down on Monday. Got towed to the garage who have declared 'Catastrophic engine failure'. Only 5 months since paying them a wad to have the turbo replaced. Its only done 75k and had what I had thought to be a good reliable diesel engine. Naturally I am devastated. Someone asked why I wasn't claiming on the insurance. Am I correct in thinking that's not the sort of thing insurance care about.