my wife drove my s15 into a tree 2 days after i had started my hbf policy
they wernt happy , but it happens and they paid out 8k in repairs , had undeclaired mods too . ive been with them 2 years sicnce then , no other problems or claims
some people have claimed their repairs are dodgy but I got choice of repairer and knew them personally so they did a great job .
to be honest the whole insurance industry pushes to keep repair costs down , youve just got to push back