I have agreed to buy a car from a dealer which is a category C write-off, but has been repaired and has had a VIC check. The car only appears to have had a minor rear end shunt, which broke the bumper and looks fine. I've shaken on the deal, but when I told the insurance company it's a category C they first said they only needed an MOT faxing to them (which I did, despite directing them to the MOT website where they could have checked it for themselves), but now they say I will need an independent engineer's report. I've looked this up and reckon it will cost about £180, which is not economical for a £600 car. Anyone have experience of this?