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if they inspected your car last tues phone up n hit them with its an icob 7 breach under rules and regulation set by the FSA and u are going to report it to them and the FOS
Can be mistakes anywhere, Wrong registration could have been given or they may have been driving someone elses vehilce under a different policy, company policies fleet trade polices lots of things can come into,
Just hope now they get a full recovery and your bro will be refunded
i handle insurance claims
Im sorry but they will tell you to go poke it
Its based on market value of the car before the incident, not how much it will cost you to replace it
read your policy it will say " in the event of your car being written off we will only pay the makret vlaue of your car...
If u are lookin for the cheapest insurance then fair enough.
But i just know that their policy isnt the best, just hope you dont come to find that out with maybe having a claim
but if your lookin for cheapest then by all means go for it