had a crash a year ago in march. Their Fault - reversed out infront of me.

I swerved and the only damage was the rear bumper was partially ripped off and the arch was pulled back a bit under the bumper.

Anyway, car went in for an engineers report and i got a courtesy car. My car got written off due to "un economical repair" and i bought it back. at the same time, my gradma fell ill and passed away(she lives 150+ miles away).

Nearly a year later i get a letter saying that Direct line are refusing the £800ish charges for the courtesy car, so it has gone to the legal team. They charge £200/hour, £40 for a letter and £20 for a phone call so want to keep the contact to a minimum incase my insurance decides that i am suddenly not covered legally... also i need to appear in person to any legal hearings.

I have to fill out a form stating when i had the car, why i needed it and such like. Obviously the ill relative and funeral must sway some things, surely?

Has anyone had a similar experience if so any tips on writing the letter back to them? Have been asked for some expenses as well, obvously i will mention having to leave work and the travel. etc. any other tips??

cheers