Probably of no help at all but maybe worth mentioning here as another avenue...
I had a raw deal with servicing repairs on my family car about a year ago.
My car had a 4 year extended warranty that had about a month before it ran out....that I had forgotten about.
I initiated servicing on the back end suspension of which the quote came back as $1700!
The car was unsafe to drive, so I reluctantly went ahead with the repairs.
Better to make the car safe for the wife and kids.
Then I remembered the 4 year warranty and asked the dealer if any / some or all of this work was covered by the warranty.
Guess what, the answer came back, sorry Steve, almost none of the work is covered.
I didn't feel satisfied by this and asked for a breakdown of what their disclosure statement and item list was compared to the booklet I fished out of our drawer. They didn't agree.
So I looked online and there was a part of the insurer's own website that said something like, "If you aren't satisfied that you have received a fair
outcome lodge a short summary of your experience and we will look into it"
Answer came back around 24 hrs later, sorry Steve but we don't cover this, this, this, this and this, so you are up for $1700.
By this stage, I had the car back but I still felt hard done by.
These things that were replaced were major lifetime components of the car's suspension, not consumables like brake pads for example.
So I found another website called the insurance industry ombudsman.
Same deal, " If you feel that your experience with your insurance provider left you unsatisfied with their product lodge a complaint"
So I did.
Within 24 hours there was an offer of resolution by the insurer and any correspondence between the parties was seen by the ombudsman.
So they could witness anyone being difficult and anyone trying to co-operate to resolve it.
I had the majority of the bill waived.
I would love to name the insurer
Steve