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She's not with the same insurance company, from what we can tell, the other driver is a serial abuser of the 14 day cooling off period and was driving uninsured at the time. The insurance certificate that was shown to the police at the time of the crash was from Direct Line, and was invalid as that policy had been cancelled, but it's Tesco Insurance that are actually paying out, something that only happened yesterday.

The accident happened back in October, and we'd long given up hope of ever seeing anything back from it, and were resigned to losing NCB and having to wait for the MIB to cover the uninsured losses (which is purely the personal injury in this case) we thought the case was long settled, with the result being that we get shafted... again.

Now the lawyer is saying we can just get the excess and NCB back, no more.

I had a similar problem a few years ago. A joyrider stole a car and crashed it into my sporty Golf which was parked opposite my house. My car was totally wrecked. When I contacted the police and asked for details they refused to give me details of the joyrider and the stolen car's owner, (as my insurers said I should claim on the stolen car's insurer), well of course the police also refused to give me their details as well saying "data protection" usual garbage - they just use that as an excuse not to do anything decent. So what happened? I had to claim on my own insurance and lost my no claims. Needless to say I never got back anywhere near what the car was worth. Nowadays I have a policy similar to porsche insurance Have I got a porsche? Lol. I wish! But the Agreed Value Policy is a very good idea if you have a vehicle that holds it's value.

Well this is a bit of an old thread, but I figure since it's been bumped I may as well update.

As the other driver was eventually found, no thanks to Gwent Police, she got to keep her NCB, however we got screwed over on the valuation as that was paid out by my GF's insurance company initially and was deemed to be fully settled.

There was a (genuine) personal injury claim, and the payout for that arrived a few weeks ago, and now we have finally broken even, two years later.

I'm no-longer surprised by the number of spurious personal injury claims. I'd be tempted to do likewise in any future claim, just because you get screwed over in every other aspect of the claim.

Are you sure it was a modified specific policy? It sounds like a standard policy to me.

You're better off going with a specialist company like these guys.. http://www.acorninsure.co.uk/car-insurance/modified-car-insurance/