3 weeks ago my 10-year-old Proton Persona was in a quite severe accident. My insurers (co-op) uplifted it and have assessed it as being beyond economical repair and offered the market value of £450. I appreciate that if I looked hard I could purchase a 10 yr old runner for that sort of money, though as an aside, my car was known to me and had a full service history, so I think their valuation a little on the stingy side anyway. What I am concerned about is that they are asking me to prove that I had already entered into a purchase agreement before they will consider the scrappage scheme value. I have seen mention in Honest John’s site that they have a duty to return me to the position I was in prior to the accident and as they have no means of sending me back in time; how can I purchase a car and have owned it for the one year required to qualify for the scrappage scheme? The accident was a much witnessed one with 3 statements given to the police by independent witnesses confirming that the fault was with the other driver, I as I believe is usually the case am struggling to deal with the aftermath. Further, I assume that as my car was driven by the impact to collide head on with a Mercedes SLK, the driver of which also confirming that I had been at no fault, his insurer will no doubt be claiming against my insurer and I will no longer have my full no claims discount. How do I recover what will be a serious financial loss over the next 5 years as I pay the much increased premiums I will no doubt have to pay?