After accident it took almost a week to receive a reply. Police, witnesses, garage all agreed it was not my fault, but Covea having only seen the pictures I took said their ' engineers ' said t was my fault.simply to make more money. Covea are SAGA's insurance company and they are hardly rated either and very expensive. Why They are the dodgy insurers. Read other revues and be careful looking at the dodgy revue sites also , but even there thy get 46% bad and 45% good. and its obvious where the ' good ' reviews come from. Beware I am now dealing with the Ombudsman , trading Standards, and others. These clowns are allowed to do as they wish. But we must all join and fight such corruption.