b*st@rds !!
mate had his S4 Audi nicked and used in an armed kidnaping in which the local fuzz woke him to tell him his car was a) nicked b) had to be rammed off the road and had sustained a little damage ie fecked !! Turned out he had no MOT either
by some 3 months
but they still paid out and it was £6k worth of damage!
They are trying it on! Keep ragging em or try legal advice/letters