TridentTested
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I think there are two issues you need to separate.
(1) Your first question is still valid and should be pursued: when is Comprehensive, not? Get the small print out and read carefully. Regardless what the small print might try to squirm in there I would say there isn't a judge in the land who would disagree with windscreens being included in 'Comprehensive'. Take them to the Ombudsman or sue them in the Small Claims on this alone.
(2) You are right. Them telling you to take it to NW and pay the excess is a pretty clear instruction to proceed. Even if point (1) above was proved against you (which I doubt) by instructing you to proceed they must be accepting responsibility.
As to where to go from here. You could pay and sue for damages but you are probably right to refuse to take delivery, that will focus their minds. Also enquiring about a rental car at their cost might help.
You could also appoint your own Loss Assessor to work on your behalf. Insurance companies hate that because his fees come from their pockets. That would certainly help them to focus.
(1) Your first question is still valid and should be pursued: when is Comprehensive, not? Get the small print out and read carefully. Regardless what the small print might try to squirm in there I would say there isn't a judge in the land who would disagree with windscreens being included in 'Comprehensive'. Take them to the Ombudsman or sue them in the Small Claims on this alone.
(2) You are right. Them telling you to take it to NW and pay the excess is a pretty clear instruction to proceed. Even if point (1) above was proved against you (which I doubt) by instructing you to proceed they must be accepting responsibility.
As to where to go from here. You could pay and sue for damages but you are probably right to refuse to take delivery, that will focus their minds. Also enquiring about a rental car at their cost might help.
You could also appoint your own Loss Assessor to work on your behalf. Insurance companies hate that because his fees come from their pockets. That would certainly help them to focus.