Took out car insurance. Made a claim as it was not my fault (third party was an 18 year old who had a license for about 3 months) however as it was a mini roundabout they said it had to be 50-50 fault wise. Said they would chase up third party after 21 days, I even had to find the council contact details for the CCTV which I gave them. This would have cleared my claim to a no fault claim however long story short they didn't contact them; the council deleted the footage after 31 days. If you want an insurer that doesn't do what they are getting paid to do, go right ahead. Definitely has taught me a lesson.