Carole Nash are just the broker.

You are probably insured with AXA (The company I work for, albeit on the life/investment and pension side)

Both companies are strictly regulated by the Financial Services Agency and are members of the General Insurance standards Council.

If you accept the low offers an Insurance company makes then what do you expect.

However if you stick to your guns you will more often than not reach an amicable solution.

Thats why organasations like the GISC and FSA are there, to protect the consumer!

Of course insurance companies will try and take the piss, thats just business.

You simply have to know your rights!

Oh, and Carole Nash are very cheap, beat HIC by over £150 for me too