So a bit of a story so I'll try to summarise whilst keeping main points.
Kuga on 3 year finance from Ford. Finance and V5 in parents name. Car Reg date 30th June 2015.
Myself as main driver and policy holder.
Policy through Lloyds (Covea underwriter). GAP not taken as policy has New for Old for vehicles less than 1 year old.
Drunk driver (who has now been prosecuted) crashed into my parked car, writing it off on 11th June. He was fully insured
Lloyds collect car, deem it right-off and pass to underwriter to handle. Covea collect car from them and co