If you don't want stress, loosing time and headache I will advise to pay extra and go for a company that respect and help there clients when are in need. I hope you will learn from my experience and take the right decision. Last night my BMW catalyst was stolen in one minute, witnessed by my neighbours who called the police straight away. Four police cars arrived. The police officer checked my car and asked me to start the engine. They told me that there was definitely the catalyst stolen, but to be aware that other damages could be caused as they use an electric saw. This insurance company refused to have a look on my car! What if there is petrol Leak or any other danger? They assumed that there is only the catalyst and made me wait up to 7-10 working days until the cat arrives and then they can pick up my car and have a look for any possible damages. They can only give me a substitute car when my car arrives at the garage. The ridiculous situation doesn't end here: instead of providing me a similar car as I have an estate, business BMW, they want to give me a Ford-K or Nissan Micra, which are impossible to be helpful in this situation, as I work in painting and decorating and need a similar size car, not the smallest car!!! How am I suppose to make a living if they make me wait for the substitute car up to 10 days and who will be responsible if the car have other unknown damages that will be a possible Hazard?