Been in Tears many times as no one shows you compassion, I was reversed into by another driver whilst she was on her mobile phone my witness confirmed this on the telephone but has delayed with the written form due to a family tragedy and I have had to do all the phone calls to Octagon this is month 5 and still messing with me and increased my monthly insurance by double. took 3 weeks for them to arrange for a courtesy car which was a 4x4 and cost me double in petrol. over all don't use as if you have an issue you are hit with standard one liners ....... stressed self employed mother of 2 ....