Thought I would update my post.
Took my car today for it's pre booked appointment. All handled really well. Explained if stone damage not covered. The cause is the AC condenser is leaking at bottom right corner, dealer spoke to the Toyota used approved warranty company and it was rejected, as no evidence provided. Inchcape took photo and spoke to Toyota again on phone and 30 minutes later got the approval with no cost to me! So great news!
Only issue is condensers are on back issue, and should be in stock at the end of the month. Going to phone me as soon as they know any more.
I have to say Inchcape Toyota has handled this issue fantastic and while I waited and kept me informed throughout with regular updates.
James