I had a MkII Driver insured with HIC years ago, when some sh!tebag nicked the alloys it took me 9 weeks to get it sorted by which time HIC denied all knowledge of me having alloys so my excess went up to ?600. They decided to write it off then changed their mind and basically messed me around as much as they possibly could, I ended up cancelling the claim and paying out of my own pocket to get my car back on the road.
The people who nicked my wheels were extremely professional, if only HIC were the same. Wouldnt touch them with a 10ft pole