My brother was involved in an accident with my car.He had his personal car insurance which allowed him to drive any car but my insurance company is so irresponsible that they forwarded only vehicle claim to my brother’s insurance and kept the personal injury claim on my name and didn’t issue the Ncd for 4 months until I made a complaint to financial ombudsman. I contacted them numerous times but they didn’t bother until the ombudsman intervened I think they didn’t do it so they can put the premium up so the company was making mistake intentionally to charge me . Absolute disgrace as an insurance provider