I thought a decision by the obudsman was legally binding for the insurance company ?

Oh and btw got a quote from JCI for the new car and the PDS states replacement for non-oem or possibly second hand only applies to vehicles that are out of the new car warranty so thats most of us

Went with RAC

PS: Keep fighting them... like you say you have them on 2 counts of being negligent when it comes to their security, they may as well have left the front door open from the sounds of it.