When my MkII driver was stolen and recovered a few years back I had so much trouble trying to get anything out of HIC that I ended up paying nearly ?600 out of my own pocket to get my car back on the road. They kept messing me around, saying they were gonna write the car off, then they werent, then they needed to inspect it, then they claimed I hadnt informed them about the alloy wheels so my excess was now ?500 instead of ?200. After 9 (Yes NINE) weeks of this I told them where to stick their claim.
If they were the last insurance company on earth I would drive without insurance. It amounts to the same thing