. . . . we have let patients down, admits senior northern ireland civil servant . . shuki sadeh .international .aubrey: but with two young children and a busy schedule, she's come to appreciate the frozen food aisle. http://lm360.us/Riggott-mother-of-Majocka-from-Etzgen?Manettagr=161 he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. . . . . september 2005 (12) .