RE: fully comprehensive insurance with additional legal and hire car.
Hit by another driver, contacted Quotemehappy gave them details of the incident and that was the last time I spoke to anyone regarding the matter. Was contacted by approved garage, my car was collected and replaced with courtesy car.
Had courtesy car for a week, contacted again by garage who informed me car was a write off. Asked why pictures, etc. had not been requested, told that they were just repairs. Courtesy car was collected. Same day hire company called to tell me I get hire car for 14 days. I informed them that it was 21. They called Quotemehappy and confirmed 21days.
Called by garage around 10 days after to be told that they were advised to contact me to return hire car. I emailed to dispute payment for write off - twice. Up to today 10/07/12 still have not heard from Quotemehappy. On website, there are no contact numbers on which you can ring and speak to someone regarding the matter.
To date I have not received any documentary confirmation cars has been written off, no advice as to next steps, at the time I was told car was written off, I had 6months plus on road tax which I could claim back has declined to nearly 5 going on 4 months. To add to the mix, I tried to use my additional extra which I HAVE paid for - legal cover which is supposed to be 24/7. I called the published 0844 number (charged at 4p per min from a BT line). I was on it for 45 mins and listening the looped recorded voice telling me the team are on their way or something. 
All in all, the cost of the insurance has not been worth the money. Customer service is appalling because when you need help, it is not there - hardly insurance.