insurance company messing me about...

Originally posted by Iain C

   In June my Fireball was hit by a cat on a blatant port/starboard during a prestart.  My Fireball was badly damaged as the rig went over the side and the main was trashed.  The cat sailor (who I know well anyway) never contested responsibility and everything was a very amiable insurance job.

I delivered the my boat to the repairers after checking with my insurance company what the going rate per mile was for delivery.  My insurance company paid the repairers for the repair, I paid the excess, and waited and waited and waited for my uninsured losses to be recovered from the cat's insurance company.

They have finally sent (we're in October now) a cheque for some paltry excuse of delivery fuel money which is nowhere near what my insurance company had promised.  Who should I be chasing?  Should I be chasing my insurance company for the delivery money as they had promised me a figure in the first place, or should I be chasing the cat insurance company? 

They are taking the piss with the amount offered.  They are trying to justify fuel at 35mpg (I wish that was realistic in am off-road prepared Land Rover towing) and I would have just got the repairers to pick it up and add it to the bill...would have been no arguing there!

I cannot be arsed to wait around so want to slap them with legal action right now.  The incident was in June FFS.  What does it cost me to take something through the small claims court?