My beloved Rover 75 Connoisseur CDTi is a superb, way-above-average 2003, 93,000 mile pre-facelift example in Copperleaf with unmarked beige leather. The car was vandalised recently by some lowlife hurling a brick, which careened off the rear screen resulting in the rear windscreen being smashed, the boot lid edge damaged and some small dents on the roof. My bodyshop repairer (Nationwide - very good, used them before) tells me that the damage is easily repairable but they have been informed by my insurer [Toyota Insurance/AGEAS] that the cost is at a higher proportion (it seems) of the car's value for them to meet the claim and as such the car is likely to be written off with a cash payment coming to me. Is this normal practice? The car is so good I want to keep it. Any advice gratefully received.