Look guys, I just thought you might find it interesting to see what will write a car off these days...
For me it is a no brainer, make a claim, fix the car up properly and keep it... I am fully aware of how it works and how insurance companies work. I will not be out of pocket, even when future values etc are taken into account...
The payout is so small it will make little difference to the insurance renewal, yes they will load it but this is based on cost and as I said the renewal is cheaper than last year...
It's got to the bottom of it's depreciation and cars of this ilk sell on condition and this one was, and will be, near mint, the only thing that lets it down at the moment is the bonnet which will be painted at the same time. I have a local guy I use and the cost has already been discussed. One wheel needs refurbishing as well.
The car will be returned to excellent condition and I have a nice car to drive around in...
I will list how much it costs when it's done, in the meantime thanks for the concern but don't worry, it's all in hand...