I have a heavily modified 2012 Volkswagen Golf with all modifications declared to my insurer. In February 2018 I had an accident, which was my fault. It left a nice dent in the nearside wing and cracked my front bumper in a few places. I purchased a new bumper and wing, then decided to go through my insurance instead of fixing it privately. After receiving a £1800 quote to repair the vehicle at my bodyshop, my insurance has decided to write me a cheque to get it fixed rather than having the bill sent to them. The problem is that the amount they are offering is £600 short of the quote (this is after I add my excess to the offered sum of money). Therefore, they aren't actually offering me enough cash to fix the vehicle. What do I do? It's been two months since the incident and I'm becoming very frustrated. My car is my pride and joy as well as my hobby. I was told they won't cover the labour cost for the repair, but surely the whole point of insurance is for them to fix the vehicle with me only paying the excess. What do I pay all that money for if they wont even fix the vehicle? Any advice will be greatly appreciated.