As it happens, just before Christmas my van was sandwiched by a London double decker bus, after reviewing the CCTV the bus company The Go Ahead Group admitted full liability the following day, offered to sort out all the repairs themselves, cover any out of pocket expenses plus any vehicle hire....Which was capped at £31 a day they did say I was at liberty to use my own repairers and hire my own vehicle but they would not pay more than the £31.
I didn't have any problems with this as although I informed my insurance company, I haven't had to use them to resolve the issues. Just annoyed that my insurance company charges £66.17 a day when they all use the same hire companies for replacement vehicles. And then state in their policies that you can only claim for actual losses / expenses.... Seems to me all this out sourcing to claims management companies is forcing premiums to rise rather than actual driver claims....