hi guys and gals, i took out a policy with octagon insurance via confused comparison site as it was like £400 cheaper than the next insurer. brought a new car on thursday 9/8/12 and took out the policy for that morning, ran through the quote etc and added benefits, hire car, key cover, personal accident cover, recovery etc etc paid the £200 deposit and arranged the £97 each installments. my car got vandalised at night, key marks down both sides and cabriolet roof got cut twice. so i rang octagon claims and went through the usual malarchy to be told that my car would be collected and assessed then i would recieve a call back. an hour went past and recieved a call from a company called tcf corp who had been passed on my detials by octagon to do what i called a claims management assessment which involved a phone interview and a fraud assessment. hmmmmmmmmmmmmmm so i told this company i wasnt happy with this and rang octagon back and was told if you dont comply we will not proceed with the claim, so i ask for an independant engineer to assess my vehicle they agree but is this true. then i get another call from a company called coparts who again were passed on my details by octagon to collect my car to do an assessment on wether the vehicle was a write off or repairable. again i say im not happy with this i then ring octagon again and ask what the hell was going on as never had to do a claim for vandalism before. and get told im not entitled to a hire car while my car is being assessed or if the garage doesnt have one. if my car is a right off they also say i cant buy it back to repair myself as supposably in their terms and conditions the policy holder cant rebuy the car. what a load of poppy**** the car is on finance and now they have said they wont pay me out if its written off they will pay the finance company where there could be a shortfall. so basically they saying im screwed whichever way. masking me think im better off not claiming and just getting the work done when i can afford to. still within my 14 day period where i could cancel but then will they put i made a claim on my no claims bonus. even though i aint claimed yet. any advice would be much appreciated. if they just do what is necessary and collect my car take it to the approved repairer and fix or write it off then i can buy it back like every other insurer then i will be happy but as far as im concerned my car aint going anywhere without my concent and its only going to where im happy with it going. not to some back street monkey or into a holding yard in the middle of a rundown estate while they sit at desks twiddling thumbs and not sorting out a genuine claim for vandalism. this really sucks as the insurance company should be dealing with this not me or a claims management fraud company or even a sub sidery company they use to store cars and inspect under there say so. what sucks even more is i went to my local repairer who happens to be one of octagons approved repairers and they said that i could drop car to them and they could deal with everything. hmmmmmmmmmm so been told loads of different things now and really confused. sorry to babble on but just have loads of info and need help to sort this cowboy company out