Hi all, 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 confirm write off. So here are my concerns/questions that I'm hoping for some advice on. Firstly, Covea have offered me a settlement of £1150. Yep for a 1 year old vehicle, with less than 15K on the clock. Surely this must be a mistake yes? Covea are also charging me my excess? Surely as I'm not at fault I shouldn't be charged this? Only after all this has happened I realised I have made an error, and put on the policy that I am registered keeper on V5 and not my parent. Should I be worried that they now won't pay out. Everything else is 100% correct. Lastly, I am due to go to France in 2 weeks. I am driving down. Lloyds (through enterprise) have provided the courtesy car but have said I'll need to pay in the region of £300 to take the car abroad. Should I be expected to pay this? What are my options? As you can see it's a bit of a cluster****. Due to it not being my fault (I was sat on my couch!) if it all goes tits up and I end up having outstanding finance or having to pay to take the courtesy abroad would I have much chance claiming through small claims court against the idiot who caused all this? Any help, just even to put my mind at ease would be appreciated. Thanks all