It is very difficult for us to say what is required to fix your car if it is a Cat S car. Often, insurers will consider a car a Cat S write-off if the estimated repair value is more than 50 to 60 per cent of the car's total value.

However, it is entirely possible that if the structural damage is serious enough you could end up paying more than the amount you have left to repair the car.

We'd recommend getting a bodyshop to inspect the car yourself and see if their findings match up with that of the insurers.

You can also challenge the valuation given to your car for free by contacting the Financial Ombudsman service