I'd generally agree that insurers always win but I must say that I did have a pretty good result with Direct Line this year. It started out in 2017 when I was approaching a roundabout in the middle lane when the artic next to me decided to turn left he needed to swing out first. He didn't see me and clipped my door mirror. Not a huge amount of damage, door mirror was smashed and some paint damage to the door. The insurers classed it as a 50/50 until it had been argued out with the other insurer so I had to cough up my £300 excess. Unfortunately the lorry was Dutch registered, insured in Bulgaria and driven by a Spaniard .
Sorting out a claim that involves a foreign insurer is apparently a right pita. After chasing it a few times over the following couple of years I gave up. My premium went up (and they told me that other than the accident it wouldn't) so I got fed up and after a couple of renewals moved on. Then early this year, three years after the accident, I got a letter saying the other insurer had admitted liability and attached was a cheque for my £300 excess. But what about my increased premiums based on a 50/50 claim which was now a no fault? So I called and put it to them, five minutes later they agreed to refund me the difference and a couple of days later I recieved two cheques in the post refunding me the excess premiums for two renewals totalling around £210!
Having said all that, when I first insured my car with them in 2015 it was around £300, now nearer £600.... Bastards .