Get insured with Just Cars...then you know where you stand in the event of a claim, I've had nothing but excellent dealings with them.
Some clown drove into my car and damaged the front..it was repaired in less than 2 weeks, no problems and plenty of contact from JustCars end to make sure I knew where the claim was up to, and a follow up call to make sure I was happy with the repair.
Some companies would rather spit on you!