Hmmmm we had our first experence of a written off car last year sadly still bitter
We purchased a Renault Laguna about 13 months prior to accident for 4k , This was a decent price and book price for Parkers. The wife hit a deer and the car went off to the insurance approved repair centre and a courtesy car was issued.
Now came the first annoyance .... We were rung within about 24 hours to tell us the car had been written off and we had to hand back the courtesy car straight away or start paying for it. Basically if the car was being repaired by them we keep it but once written off they have no interest ... Boom
So now no car and no courtesy car
Then the first phone call from Insurance ..... "We can offer you 1.7k "
For weeks we fought without a car to get more even explaining that for them to look in the Autotrader as the cheapest like for like was 3.1k (which didnt have all the options or same mileage)
Eventually gave up and settled at 2.3k after going to manager to manager and eventually given a firm "THATS YOUR LOT"
Couldnt believe it and still dont ... Ended up going from a Renault Laguna super tourer initiale in mint condition to a Ford Fusion which we still had to put more money in.
And of course our premium went up