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Sweet, best way of sorting it tbh, less hassle for you.
How is the brand new car thing working out? I know some insurers replace a car that's less than 12 months old with a brand new one automatically (mitigating the depreciation costs), but others will only pay out what it's worth now, meaning you need GAP insurance.
NurseHolliday
This is what is happening.
The subcontractor is a huge company and will be insured. But the people on the ground are morons, so it's easier to let the insurers deal with it.