So you get £1200 and can keep your car for a couple of hundred?
I did something similar with mine but the values were a few times higher - the damage was only cosmetic but too expensive to repair.
I kept the car and got a cheque for a few thousand and kept the car - buffed out most of the bumper scuffs myself. I asked at length about CAT N and she said your insurer may ask for a new MOT and I asked my insurer if they would increase the premium at renewal because it is CAT N and they said no. This was a few months ago and the car is still not CAT N - I don't think they are bothering with that bit. If they did I guess it would make future payouts a lot lower.
Last edited by: Shiny on Sat 27 Jun 20 at 17:17
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Nissan Micra - Insurance write off quest.. 
Nissan Micra - Insurance write off ques.. 