I had a driver pull out from a give way in front of me. Don't get me wrong, AXA paid up very promptly and I thought that was the end of it. The gent I spoke said it was definitely other driver at fault since he pulled out in front of me. Sent in statement and drawings including photos of damage to both cars. Three months later they contact me to say other driver claims I changed lane ( unlikely since inside lane is a camera enforced bus lane ) and it was my fault. AXA said they would treat it as both parties at fault and refused to fight claim in case they lost. I emailed them to convey my disappointment and point out that the Highway Code states you must make sure the road is clear before pulling out, placing the fault with the other driver. Nothing. Three months later and still not even an acknowledgement. My NCD is protected so not worried about that but lousy customer service from a bunch of spineless mice.