This insurance claim lark

Just endured 47 minutes on an 0844 number to my car insurance company informing them of a no-fault claim from me. First claim for over 20 years too.

Passed on to an 'assistance' firm who then put you onto a credit agreement with the repairing garage - turns out the other party will cover all costs anyway but one long drawn-out palaver

Claim is against a postie in a marked Royal Mail van - ''what colour was the van that hit you sir?''

Shouldn't I have been notified at some point if the 0844 phone call was chargeable?

The assistance company will bill you, I think

Blackal said:

The assistance company will bill you, I think

Click to expand...

Chap on phone says that the credit agreement lasts for 49 weeks, in which time Royal Mail would have admitted liability and paid up. If they don't then it goes back to insurance company to sort out and pay.
Are all insurance claims handled this way?

I go through a broker for car insurance....good old face to face etc. I'm GUESSING that it might/should be easier than internet/phone. I've not had to claim yet so I'm stressing that it is just a guess.....