Jeremy Vine covered this story yesterday(Monday) and some of the excuses the insurance companies came out with were horrific.
The one I remember was the guy who was knocked of his motorbike by a car on a roundabout. Nearly killed him and fair wrecked his bike. The car driver was at fault but the insurance company refused to pay out. The reason? The car owner had changed the colour of his car without telling the insurance company!
Apparently the driver was insured but wasn't covered! Go figure.
Fair enough to not pay for anything for the car but for anything he hit?