In 1998 I had a car stolen in the UK and I didn't get a courtesy car then either - the chances of getting a stolen car back are pretty slim so insurers won't go through with the expense!
I'm with Abbeygate so I've been dealing with Trade Wise in Gibralter too after the daughter in law of a well known developer crashed into me before Easter and haven't encountered any problems - whereas HER insurers PAN CYPRIAN have been worse than useless to say the least as she admitted it was her fault - my car was all repaired etc etc within a short time at their expense and they were still fannying about - in fact the last I heard a few weeks ago they still were!!