Personal Experience would be HBF

Ive never experienced a problem and they have great customer service.

Claims ive made have been actioned immediately. My Previous car was written off due to the other driver not paying attention and rear ending me. 5 working days later i received a bank cheque in my hand. Cannot complain with that as month later i bought my lovely WRX

Heard many bad things about SGIO.

Regards to OP. Get some evidence, Names people you have spoken to, documents etc. If they still don't budge after some time and pressing . Take action and serve them to court.