My last car was written off with only a broken headlight
it was 15 years ago now and the insurance company was Saga, Vectra estate that I had owned for many years, the insurance company wrote it off without looking at it. It was the third parties fault, she pulled out of a side road and into me, she admitted fault.
I kept my car and a small wedge of cash, but I had to take it to DSVA to be checked after replacing the headlight and a new MOT, my MOT was only a month old then.
Strangely, since then Saga have always refused to quote me for any car insurance even though the other insurance company fully funded the claim
I was looking at Footman James next to get a guaranteed valuation. I did check, and it wasn't much more than my renewal.