Urgent Formal Dispute: Vehicle Returned Unroadworthy & Courtesy Car Refused

Urgent Formal Dispute: Vehicle Returned Unroadworthy & Courtesy Car Refused I am lodging a formal dispute against First for Women Insurance regarding a lost-keys claim initiated on 13 November 2025. My vehicle was returned to me on 17 January 2026 after key replacement in a damaged and unroadworthy condition. The vehicle was towed in perfect mechanical and cosmetic condition. After being under the care of the insurer’s appointed service providers, it was returned with serious defects, including: • A non-functional reverse gear, making the vehicle unsafe to drive • Electronic system malfunctions • Severe interior damage, excessive dirt, wear, and an unbearable odor • Exterior damage, including scratches, bumper damage, rust on wheels, and a broken boot-release button None of this damage existed prior to the vehicle being towed. I have been a loyal policyholder for over 15 years and pay monthly for a Courtesy Car / Car Hire benefit. Despite my vehicle being unsafe, the insurer is refusing to provide a courtesy car, leaving me stranded and financially exhausted due to ongoing Uber costs. I was forced to collect the damaged vehicle to avoid storage charges and am now told the insurer requires 15 days to investigate, yet refuses to keep me mobile during this period. This is unreasonable and unfair, especially as the damage occurred while the vehicle was under their control. Urgent Resolution Required: • Immediate provision of a courtesy car or car allowance at no cost to me • Full repairs to restore the vehicle to its pre-claim condition • Reimbur*****t of transport costs incurred since 17 January 2026