Annoying thing I wasn't even going to go out in it last night, but it was in the way of the other car so I took it, if it had been the rover I wouldn't have given a ****
Rob have you asked to speak to a manager yet, often if you keep your cool(i know its difficult in this situation)and persist with you demands you may well get somewhere
have a good read through the terms and conditions in the mean time and make sure you are clued up, this may help with you discussions
good luck mate, i like stuart used to work in motor insurance, so any help you need i will try to assist