Had a no fault car accident in December 2023. I wasn’t even in the vehicle, I watched it happen from my living room window. Supplied photos, videos and 2 witnesses. Obviously a no fault claim and as part of the policy I’m supposed to be able to recover the £425 excess fee through the legal cover/no fault claim protection/etc. 8 months later and they still can’t provide a refund or place liability for the refund. It feels like once you submit your claim it just sits in a pile of paperwork locked away in a dusty room cabinet. There has never been any updates that I haven’t initiated contact for. I suspect they haven’t even progressed any attempt to place liability. Complained and received a final response saying that it’s progressing at an expected rate. So I expect I’ll be waiting until 2050 for them to resolve liability and refund my claim. Of course now when I come to renew car insurance, obviously with a different provider. My no claims is lost and in limbo. So my insurance will cost more until this is sorted. An expensive mistake! Do not go with this provider if you’ve sorted price low to high.