Insurance companies these days will make their lives simple. If it is going to cost them money to sort this out they will just settle 50/50 and you're lumbered.
If you have legal insurance then get them up to speed ASAP. Make sure your solicitor engages with the insurance company and makes it clear that your claim is based on the facts and his claim is riddled with inconsistency as evidenced by the varying claims he has made.
I suspect that whatever you do it will end up as a 50/50 and Mrs. AndyS will end up with a higher premium.
Bugger the ugly camera and all that guff, legal expenses insurance is worth its weight in gold as they represent you. Insurance companies only represent themselves and if they decide to settle, whatever your camera says, you will have to fight the claim on your own. HTH
