Some one had said to me.
Well, if Morleys are a "Pet Carrier" and a LTD company they leagally can not operate without insurance.... If you do not get any luck with full reimbursement from Morley's your best option would be the small claims court and maybe Morleys will learn to get insurance going forward.... Crikey, whilst your loss is very, very sad, next time it could be a stud horse for example worth $10k....