Whatever excess you think you'll pay - forget it. They'll charge, and charge, and charge.
Whatever help you think you'll get - forget it. They'll say no, no and no again.
Whatever cover you think you have - forget it. They'll make sure you're the one that pays, never them.
And to the customer services woman who handled my claim following a smash and grab theft from my locked car - in answer to your question - do I have the contact details for the third party - No. I don't have the contact details for the thug who wrecked my car. What's that? Why? Because he didn't have the audacity to run a national ad campaign and set up an insurance firm before stealing my money.
He figured you'd already done that.
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