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Your suspicions are correct. I did click that I had read them, when in fact I had only done so after the "event". I accept your advice and will now write to East Coast, if only to cause them more aggro and possibly expense, suggesting that legal advice is that they should arrange to display their Ts & Cs better. On a maybe similar note it has been established that car parking Ts & Cs limiting free parking limited to 2 hours, fixed to a pole 10 feet up in small print is unreasonable and any penalty is invalid. I forgot to say I tried my home insurance, but the excess exceeded the ticket value, and the credit card company weren't interested. I am satisfied with your advice and happy to pay your fee.