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Anything happens plan pc world

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OK ADVICE PLEASE.

I have been paying a anything happens insurance plan for a laptop i bought from pc world in 2007, hardly any problems in all those years so hardly any fixes to it. last week we stupidly run over it long story but kids were messing about jumping in out car i put it down for a moment to run round get them back in, got in car forgot it was even there and drove off, you guessed it traight over the top of it!!
they came to collect said it would be fine on the phone as we were covered. called yesterday and they said they have sent back to us to unfixed as it was caused through negligence and we had to write of to explain what happened etc but still no guarantee they would repair. i have been paying this plan since 2007 any advice please very angry right now
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