Overview

• Liam Gibson, 21, suffered a shattered femur, multiple fractures and severe facial injuries after slipping in sliders at Na Muang Waterfall on April 12
• Admiral Insurance ruled the accident a “reckless act,” citing warning signs at the site and his choice of inappropriate footwear
• The insurer made an ex gratia payment of £50,000, which Gibson accepted under financial pressure, leaving £25,000 of costs unpaid
• Hartlepool MP Jonathan Brash has written to Admiral to demand a full review and urged the company to reconsider its payout
• Gibson has lodged a formal appeal and says he will escalate the case to the financial ombudsman if Admiral upholds its rejection