Know where you're coming from dude as I also suffer with my back. Fortunately, though, the Zed doesn't aggravate it.
Good luck with the sale and in getting your back sorted.
Sorry to hear your bad news.
Agree with what has already been said in that you need to push for a new bonnet.
When it comes to claiming, I would go with the policy that is least likely to be affected by making a claim.