Norwich Union (NU) chose the wrong man to tangle with when it offered Mike Williams 50% of the cost of a new pair of glasses to replace his broken ones.

The claim started when Williams, chief executive of the British Insurance Brokers' Association (Biba), was tipping stones from a wheelbarrow in his garden when his glasses slid from his nose. The glasses were crushed and Williams threw them away.

After choosing a replacement pair from Boots, Williams called his insurer, NU, to pursue his claim.

NU told Williams he could only be reimbursed for 50% of the cost, because he had no evidence of the glasses.

But Williams stuck to his guns and tenaciously pursued the claim up the management chain, finally securing full compensation.