Having to fill in a claims form after a motor accident is never a laughing matter. But we couldn't help chuckling at the comments that Co-operative Insurance Services recently sent us, and which they insist were made by real claimants.

Here is a selection: “The guy was all over the road. I had to swerve a number of times before I hit him.” Hmm, sounds pretty callous to us.

“I saw the slow-moving, sad-faced, old gentleman as he bounced off the bonnet of my car.” A surprising amount of detail for an accident that must have happened in slow-motion.

“I was on the way to the doctors with rear end trouble when my universal joint gave way.” Oo-eer, missus, as Frankie Howerd (pictured) might say.

We're still not 100% convinced that these are not urban myths, but they are fun to repeat.

A quick poll around the office revealed the following two favourites: “As I turned the ignition, I glanced at my mother-in-law and headed over the embankment”; and “My girlfriend kissed me, I lost control and woke up in hospital”.