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If the car is a Cat C or D write off, you could offer to buy it back and have it repaired at your expense, not sure what thw rules are if it is a Cat A or B.
You need someone to assess whether it's worth doing though, things like replacing air bags etc can run quite dear. The insurance company will give you your settlement, less any outstanding dues (Excess, premiums and salvage value).
I have done this once with an old car whose history I new well and wanted to keep, the insurance settlement was around £2000 and they sold me the car for £400.
Cat C write offs have to have a Vehicle Identity Check carried out to establish that it is the same car, not just your old plates on a similar car! A new MoT will be needed too.
My daughter was recently caught out in what looks like a crash for cash scam, we played a bit of valuation ping pong with the insurance company, arguing that similar models couldn't be had for what they were offering. and the offer was substantially increased, but they made us wait, not good if you're short of cash and need a car.
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