Thank you for your question. I am a solicitor in Scotland. As this is not a third party claim you would be unlikely to be able to claim a like for like car unless your policy provides for that. However there has been undue delay, nearly three months. Demand an exaplanrion from your insurers and if they don't reply or the reply is unsatisfactory, technically you can sue them for breach of contract under the policy on the basis that there is an implied condition that any claim will be dealt with in a reasonable time. However you would have to fund any court action and it may be better to contact the financial services ombudsman and lodge a complaint. They may take some time to process the complaint but in turn the fact you have some so may speed up your insurer. I hope that helps. Please leave a positive rating so that I am credited for my time.