Hi Geoff y Pat
good to hear you got a great service from your insurer
we did not go with the cheapest quote
we went with a company that had english speaking operators and an english translation policy
we paid mid E300s for our toyota yaris which we too thought was a little expensive but felt should we need to contact them in an emergency then it was worth the extra money
we were left without a car for 6 weeks whilst ours was being repaired - no signs of any recompense for that
we had to arrange towage ourselves and have not been recompensed for that
we are still waiting to be paid the excess we paid out
its 18 months since the crash and communication has now ground to a halt
the company is Abbeygate - not recommended !!
Regards