Thanks for the information so far. What the insurers have said is because I do not insure with them the Ombudsman has no powers to intervene. I have asked them to increase thier offer due to the fact that they have removed the car to the slavage yard without my knowledge or permission. I also pointed out that now the car has been removed it is highley likely that it may have recieved further damage that neither of us would be able to prove or disprove. Would the threat of the Ombudsman or small calims really make a difference as this seems like a David v Goliath case?

I have been a third party in a car accident which has resulted in my vehicle being written off. I rejected the first settlement offer from the insurance company and have declined the second as well. The insurance company have failry reasonable but have caused a few problems. Firstly they have removed my car from the Body Repair Garage without my knowledge and it has taken me four days to find which salvage yard it is at. I am pretty sure that until we settle that the vehicle is mine so why was it removed without my authority and knowledge? Secondly we have been unable to agree a settlement figure and because I am a third party they tell me that the Ombudsman will not intervene. Could somebody please advise me as to what I can do as this seems like it will drag on for ages.