Thanks for all your help and suggestions. I understand it may take some time to resolve, but 5 months it's a bit long. I'll be definitely calling our insurer (which is Direct Line BTW) to resolve it ASAP. If they won't be helpful - then yes, I think I'll be taking it to court. It has already cost me over £500!! Where do I get eh other lady address from? Is the insurer obliged to give it to me on me request?

Yes, will do that - thanks. But I still don't understand how come I'm being penalised for something I haven't done. I thought you are not not guilty until proved innocent!! Where is the justice??!! I'm haven been proved anything.

I'd appreciate any help in this matter. 5 months ago I had an accident on a mini roundabout, not my fault. The lady coming from an opposite direction just decided not to give me way and drove straight into my car. I have a witness. My car was written off, I got the money less my excess – which was explained will be refunded to me when the case is closed. 5 months down the line I'm due to renew my policy. For my surprise I received the renewal note with no years no claim discount. I was told it's due to the accident I had. Even though it wasn't my fault! But apparently the other party hasn’t admitted so until they resolve the case they can't give me any discount. And to add to that I was also told that it may take up to 3 year to resolve!!! 3 years!! How long can it take to resolve a small accident claim??!! Anyway – I can't use any discount to renew! So it didn't only cost me the excess, but also my premium went way up high. They say they will refund the difference in premiums…. But for the next 3 year I need to simply start collecting my no claim discount from scratch. But also – how I'm going to prove them how much the insurance would cost me with the discount??? Is there anything I can do to get my excess money back and also to get the discount back??? I must say – I'm furious! When you're due money to the insurance company – they want it immediately, but when you're owed anything – it takes them years….