I'm glad to see someone else has mentioned this on here, though not as glad as I might have been a few months ago to have seen it –*I'm in a near situation , albeit via Hastings.
Passed onto Albany when, after being hit by a third party with the amount of damage virtually guaranteeing the car, an 2002 Ford would be a write off,
I asked Hastings about a courtesy car –*Albany were too happy to help and said I needed to check a few documents online and once signed they'd be able to send a car, albeit a hire car, though they were at pains to point out that it wouldn't cost me anything and that anything about fees on the documentation I should avoid as it wouldn't apply.
that done i was passed onto Helphire who arranged for a 2015 Vectra to be delivered. Only kept the car two weeks as I bought a new car then and cancelled the hire car which was then picked up. Seemed like the end of the matter.
However after Albany saying in October they were submitting the costs, just over £950, to the third party insurers, the third party insurance have refused to pay so Albany then instructed Principia to act and get the money back and have issued a county court claim, with myself named as claimant and third party as defendant.
They sent a questionnaire about the accident and whether there are other cars I could have used or if I have credit cards before sending out the county court form.
As with the OP I have an insurance policy which indemnifies me against the third party not paying up (including, presumably, losing the case in Court), but that does rely on me cooperating with Albany in recovery of the costs.
Stressed doesn't begin to cover it, it's one of those "had I known then" situations really....