This makes distressing reading I'll be thinking of you and hope it works out .Very frustrating when a big company dosen't tell the truth.
I've found Adrian Flux to be much more expensive than others,if its any help I use brokers Keith Micheals who seem to be ok with mods on 4x4's, although I only have a bodylift kit on mine. I had a young guy pull out on a roundabout straight into my nearside wing and bumper and Keih Micheals had their soliciters on it and it all got sorted out well.The actual insurance company is Liverpool and Victoria.