A follow up on the subject of car insurance. It is some time since I have had to claim on vehicle insurance, but this one has been an eye opener. I am insured with Tesco Bank and I contacted them regarding a claim. This is a ‘No Fault’ claim as the insurers of the other driver, Direct Line, have accepted liability. From Tesco Insurance I have now had to deal with: Tesco Legal Guard for recovering my uninsured costs. Haven’t had any dealings with them yet as I have not paid any excess, etc. Even these are not dealt by Tesco but by B4 Claims Limited. Andover Ford where the Focus is being repaired. Expected that I would have to deal with the repairer. Albany Assistance Ltd who arrange, note arrange not provide, the courtesy car. The terms and conditions of providing this car are horrendous and carry more clauses than the original Tesco policy!! Help Hire Ltd who actually provides the car. The provision of the car is the one that raised my eye brows. Under my policy Tesco Insurance have a liability to provide me with a courtesy car. It actually turns out that I have to HIRE a car from Help Hire via Albany Assistance and stand the chance that I may have to pay for the hire. Quite how this fits into the terms of my insurance where by Tesco Insurance have a responsibility to provide me with a car I don’t see. Unfortunately my insurance comes up for renewal tomorrow 10 January, as I would have liked to have seen this little process played out to the end before I made that renewal to see how I was finally treated. No wonder insurance costs are so high when there are so many leaches sitting on the back of it.