[dogscoff]

Surely as a customer you have some clout with your insurance company. Phone and demand that they fight your corner, and tell them you refuse to accept any culpability. Tell them you're willing to go to court if necessary. Tell them that if they don't start earning their premiums you're taking your business elsewhere. Then, when they laugh in your face, go onto the internet and find out the name of the company's biggest big boss, and write a scathing letter addressed to him/her personally.

Of course none of this will work, since imho capitalism and the free market are as big a con as democracy, in which the little people are placated with myths about their collective power to control and hold accountable the massive, self-perpetuating organisations that control and regulate every tiny aspect of their behaviour.

Oops, did I just rant that out loud? Sorry.