When you pay peanuts... you get ******s

I put in a claim with Mi-Way after someone drove into me. I was first told they couldn't get hold of the defaulting party, secondly that she didn't have insurance. Their "service provider" gave a quote that was 3 times what I eventually paid to have it fixed privately. My excess would have been 2 thirds of the quote. Not only could I get hold of the defaulting party, she has cover and provided me with all the necessary details. Despite this Mi-Way insisted that I use their service provider to fix my car & only THEN could they liaise with the other insurance company and they said they could not guarantee that I would get my excess back. Now that I have fixed it privately they say I must talk directly to Outsurance to retrieve what I paid. So they were happy to collect my premiums but now that they actually need to do some work I'm seeing what I paid for. Being with Mi-Way is the equivalent of not having insurance. Do yourself a favour and go any other way than Mi-Way.