Last week's Backchat about ripping off Standard Life Healthcare for a third of a pound was slightly premature, it appears.

After returning to work after a few days' holiday, Backchat was dismayed to get a voicemail from the insurer's intermediary channel manager Iain McMillan.

"Lovely Backchat," McMillan said. "Just wanted to let you know, you still owe me 30p."

Backchat will be relying on the usual insurer trick. The cheque's in the post.