I was in a none fault accident . My car was repairable.. However because quote me happy are awaiting admission of liability from third party insurance company apparently slow due to Covid 19 (up to 3 months) they have told me.. I have to pay the excess and or storage charges and claim it back from a solicitor... the excuse was because they have an agreement with 3rd party insurance company not to call each other in these reduced office times. So basically I'm paying out because they're working slower due to Covid 19. Bare in mind I'm not working any more and on benefits for the first time in my life... would not recommend this company to anybody. I have been with them 5 years too . I only get updates when I contact them too... I have had one email off them through all over this ..Hope this helps I'd anybody is making a decision about car Insurance .. Quote me Crappy