I subscribe to a breakdown service through an insurance policy, but when my car broke down on the M1 they didn’t turn up! I threatened to sue the breakdown service and seven months later they sent a cheque for £60. Is that all I’m entitled to?
If you’d gone to court you may have been refunded the part of your insurance premium relating to the breakdown service plus the costs you incurred in getting your car going. There may also have been a small sum for your inconvenience. If your breakdown service only amounted to roadside assistance it’s possible the £60 represented adequate compensation. However your claim would have been against your agent and/or insurer, not the breakdown service.