We were traveling back from holiday with load of outdoor kit and were hit by a car that did not stop at 7pm on a Sunday. Contacted the police and JL Insurance. JL Insurance stated that as we had been involved in an accident out of hours, they could not get its home and that we would have to make our way to a train or a bus station. We were over 90 miles away from our house with 2 children and were fully comp. When we read our policy which stated that JL would get us home or pay hotel costs the person we were speaking to checked with their supervisor and still came back and they could not help. We were forced to crawl home with possibly not a road worthy car. Completely let down with this service as it seems JL did not honour a basic part of their car insurance policy. I have 2 other polices with JL and will not be using them again. Awaiting a response from JL and failing, this'll go to the Ombudsman....Disgusted and lost all trust