Cheers Rob, that is very helpful!
A complaint has been lodged with DL's complaints dept. Have been told by Direct Line that NIG have not admitted liability to anyone, neither them, nor any other insurer regarding this incident, so, either DL are telling me porkies, or the other driver has been severely misled by his insurance brokers. I have heard some fresh things about the other guy's brokers from people at work, one being that they can be prematurely over optimistic in what they tell their clients
Having had a rant at Complaints I have been told that an extension to my courtesy car has been sorted out to cover additional time needed to fix my vehicle, but I will believe that when I hear it from the car company.
I will be contacting the Ombudsman in the next day or so to see what they say and get some ground work done there. I am still mightely unhappy with how the whole system has operated (I can't bring myself to say "worked"
).
I am still thinking seriously about getting some independent legal advice, thanks to all you guys, and the folks on BB I have a better idea of where to start and what I have to work with than I did just a couple of days ago.