Only ever had TPP 'bomb' insurance.........was with Just Cars but now with AAMI [Just Cars got absorbed by aami].
Very recently had somebody hit me in the side of the car in a car park - I was parked at the time [engine off, door open, about to get out]. They admitted fault and have made a claim on my behalf because AAMI TPP insurance doesn't cover helping you to make a claim, only in claims against you. So now I am at the mercy of the other persons insurance company and waiting for them to approve so I can get it repaired. I feel vulnerable....little me up against a big insurer. I think I will be ok, but it makes you stop and think, if they stalled or said NO then it would take a lot of Dept of Fair Trading or other such assistance and many years to get there.