Well, he has a little bit of a point about the insurance. Although it's good that many people have legal cover with their insurance, what that usually means is that they choose a lawyer for you, one they usually use, and that lawyer has to provide an opinion as to whether there is more than a 50-50 chance of success.
Obviously the lawyer isn't really working for you, he/she is working for the insurance company, who would prefer he/she gave the opinion than there is less than 50% chance of success...
If the legal opinion is no, then the conditions of the policy are usually satisfied and you are entitled to no further assistance.
Check your own policy, as that might not be the case but do bear that in mind.
I wouldn't use a no win no fee for this type of thing if you can possibly help it either. Many lawyers will have an initial consultation without charge, where they assess your case and may advise you of probability of success/what the claim might be etc
Ask for recommendations locally, or post on the local site here, or say what area you are in and people might know someone.