********** behavior by Insurance company

When selecting, sometime one chooses the established insurance companies with many years in operation like Auto & General. I have had a terrible experience trying to claim when I was not the driver at the time of accident. After months of assessing, the verdict is that my claim is rejected because I was not the regular driver. There is however no definition of what it means to be a regular driver, the consultant seem to define in terms of how many time in a week does one person drives a vehicle. She also suggests that this needs to be updated on a monthly basis, for family with four drivers this end up being a daunting task to achieve on a monthly basis.

I am not sure whether all insurances behave this way, but this was not the case the last time I had one of children had an accident my car. This is a ********** behavior from Auto & General, after paying for insurance for years without claiming, they then hide behind an undefined concept to reject a claim.