Can I just say WELL DONE!! I have had some HORRENDOUS dealings with Insurance companies of late and am STILL pursuing a claim for injury from November 2004. I take it you are third party? By the way you describe the bother reclaiming the excess?? Well be sure and get it back is my advice. You would NOT believe the hassle and the rip off procedures I have had to put up with from three of the TOP supposed insurers in the UK!! they are I can quite confidently say (and I DO have the evidence to back this up I assure you!) They are staffed by LIARS!! And not even good ones at that!
BUT well done for sticking to your guns!! And hope you do get a result you are happy with. STRONGLY suspect you will!!!
