[Ains.]

If your insurance are dithering and you've got breakdown with legal cover, give them a ring.
They're likely to be a bit more impartial as your insurance see more paperwork and a claim could mean more dosh for them.
Failing that try CAB (Citizens Advice Beaureau (spelling?)).

Have to agree the garage have a duty of care, I mean if the car had been bashed they would have to pay up to fix it. So what's the difference with theft?

Ains.