In reply to Philip:
> (In reply to Dave Garnett)
> [...]
>
> Don't you have to be careful with future insurance if the car insured has previously been written off?
payouts on future accidents can be MUCH lower if you're insuring a previously CAT-D vehicle.
also premiums MAY be higher but not necessarily.
Also if you've got a hire car you're in a better position to negotiate payouts etc as every day they argue with you (up to the point where it's judged you're obstructing the case) the 3rd party's insurance company are paying out a daily rate for the car.
Be aware if you take the payout they'll probably give you a MAXIMUM of 7 days before collcting the hire car from receiving the cheque (and it will be a cheque so you've then got a delay while it's cashed) and potentially start that time from either when they post it or when they confirm they'll send it. So keep your eye out for deals or be prepared to bus to work.
When arguing the payout they will likely be using an independent company to get a price they think it's worth and it may be really low. If they're ****s they'll say you can only argue the case by getting another quote from another company which they'll then consider, but you'll be charged by the new company for getting a quote and it might be worse. What you need to do is argue that you haven't got 6 months to hunt around for a car and they need to pay an amount that will allow you to get a new car at a reasonable cost to buy NOW. They'll tend to cave. Obviously back this up with a number of examples from dealers and ebay (they're meant to pay dealer amounts in theory) and note all differences between your car and the advertised ones (mileage, year etc) and argue a fair price based on your findings (no point putting the highest you find as they'll ignore it).
If you wish to simply argue that it's not an uneconomical repair I think you'd have to find a quote from a different official dealership (can't think of the word...basically if you're driving a ford you need a ford service centre quote etc) so you'll probably find that the cost is a bit higher than you'd expect and there's not a lot you can do.