I FIXED IT!
Thanks for your help everyone
I took pics - for the 'future person with same problem' and will post soon.
If this is YOU, read on: -
It was really EASY!
I just used a metric socket and undid the main bolt holding the bottom panel on. There was no need to undo the torx screw (just as well, because it requires a long tool which I didn't have). From there, the top panel slides towards the settering wheel and pops open, revealing just enough of the bottom screw on the indicator arm (there are just two phillips head screws).
You then pull out the indicator.
Then you need to undo the two screws holding the circuit board in, and undo the electric cable on it, and pop out the circuit board.
From there, you can wipe the black sludge (teeny pieces of metal) off it where the three contacts are made.
I also bent up the three contact bits of metal to ensure they are a snug fit (see pics).
I did the same for the high beam.
Put it all back together in reverse order and bob's your uncle!
Such an easy fix - and if you're still having problems, just buy one off ebay and fit it yourself. Super easy. Auto electrician said he would need the car for a day to diagnose and then a day or more to get the part - this took me under 20 mins, while I had a conversation with two other people.
If only the transmission were as easy fix as this! (damn that slipping/shuddering in 1st gear....)