Thank you both for your replies. I haven't signed away the salvage, the only document I have signed was a claim form with details of the accident, the signature was only a decleration to say I was telling the truth. They did however ask for my V5 which I gave them, though I didn't fill any part of it in transfering it to them. I have checked the certificate and all it says (with regards to the policy) is "This certificate is not a statement of cover given by the policy. For details of the insurance cover, reference should be made to the policy." I will call and ask for details of who to complain to, because these details are also apparently in the policy document. I found this out from a sheet of paper with the insurance certificate. Thanks again, I'll let you know how I get on

Hi all I have a taxi which last week was written off by my insurance companies assessor. Another driver on my "policy" crashed the car with no other cars involved. Basically his fault. I took all the documents into the insurance office today to proceed with the claim. I was then told that if I did not buy another car and have it insured with them that the remainder of the premium would be deducted from the settlement figure. This came as a bit of a shock, but I have read posts on here and on other sites basically saying they can do this so that isn't my main point. What annoys me and I would like some advice on is that when I took out insurance with this company I was never given details of the policy, only a certificate of motor insurance. So if they start quoting parts of the policy do I have a leg to stand on by telling them they should have provided me with the details of the policy when I took it out? Also they would not allow me to buy back the car, saying that the insurance company does not allow this. this annoyed me as well because I was given a quote to repair the car privately and it was not excessive. The way I have been adding things up, they stand to make a tidy profit from this and I will recieve around £400 if I accept their offer and they deduct the full premium. I would appreciate any advice on this Thanks in advance