A car driver, insured by Watford Insurance Company (who correspond by email from Eldon, and whose phone number goes through to Somerset Bridge Insurance) destroyed 30ft of my front garden, including the brick wall, wooden fence and mature shrubs, just before I was going to put my house on the market. The estimated costs of the damage are circa £5k. The driver was under the influence of recreational drugs and was having a seizure for about 20 minutes - we helped him to breathe until the ambulance service arrived and took over. The driver was solely to blame. He was escorted by the police from the hospital to the custody suite! He is just lucky that he didn't kill someone. Perhaps it's not surprising that such a low-life chooses an insurance company such as this. To-date, their response has been to shirk their responsibility for their driver and suggest I claim off my own insurance. THIS WILL NOT BE HAPPENING. I have no qualms about going to the Ombudsman about this, but it's important that people are aware of this company and avoid at all cost. The incident occurred in May, and whilst I was calling for an update on the claim just now, having been on hold for 20 minutes (last time it was longer) I have been cut off without being able to speak to anyone. I was told some weeks ago that they won't be able to assess the cost of the damage to my garden as they deal with vehicles. So, do your policies reflect that your drivers are not insured if they cause damage to some's property? It's not my problem that you don't know how to assess the damage - but it IS YOUR RESPONSIBILITY TO PAY SOMEONE WHO CAN!! I have provided quotes for people I know and trust to carry out the work - it has taken me hours to get that far. I understand that I can claim for my time in dealing with this matter, but if I need to get more then it will all add to the claim. It looks like my next steps will be via the Financial Services Ombudsman. All I want is the damage to be rectified ASAP. It's been over 2 months so far and it hasn't progressed at all.