THE problem you've experienced with the Explorer is not unknown, but I would have thought the best course of action would have been to repair it rather than replace it. In any case, I would have thought you had a legitimate claim against the insurer and you should pursue it through the small-claims tribunal or other body for problems such as yours. You will need to produce all relevant documentation about previous servicing and the cost of repairs for the engine replacement, and if you can do that, you should be able to prove your case.