i have been payed out now m8, took 11 weeks!!
They do nothing for 3 - 4 weeks, then i had a 1.5 hour recorded phone interview with loads of trip you up questions, followed by the forms which include you having to write the whole story again, they check the police report, the DVLA for your driving history and also want photos of your hoose, where the keys were etc....
Then when they prove that you are "not guilty" they get a loss adjuster to call you and agree a settlement figure.