My 2018 Volvo V60 has been written off by the insurers as Cat S. After a lot of negotiation, the engineer agreed to add £340 to the what he says is the market value of the car to account for the fact that the vehicle had a Volvo fitted retractable towbar. By his own account, finding a replacement car with a towbar will be next to impossible but luckily it is something that can be retrofit (although for a cost more like £1000). To my mind the fair market value for my car would be market value + the actual cost of installing a towbar. Do you think I would have any success pursuing this with the ombudsman, or is that a waste of time? The insurer told me the towbar is basically worthless in the valuation. I just want to be able to buy back what I had before the incident. Thank you.