Our business vehicle was written off when (a comprehensively insured) driver fell asleep at the wheel and smashed into us head on. Happy to be alive I wasn't really worried about the car because the other driver is at fault and all will be well - right? Whoa I couldn't be more wrong. Our insurer - Budget Direct - gives us a ludicrously low ball payout figure on our car. Argue as I might, as far as they are concerned because the vehicle is 10 years old, the $5000 worth factory options fitted to the vehicle (aircon, HD alloy tray, roof racks, ladder racks, tow pack, etc) to configure it to our specific business needs are WORTHLESS. So all they'll value it on is a clapped out featureless base model when ours had done half the amount of Kms and was in mint condition. I don't understand when I need my insurance to be on my side why all this heartache and ruthlessness. I will never again insure with them, and not just our cars, but our home and business insurance too. Their loss in the long run, I have many years of insurance premiums ahead of me and they won't see another red cent, like the scene in Pretty Woman where she goes back to the rude shop assistants in Rodeo Drive "Big mistake.... HUGE MISTAKE"