They'll probably only get the market value of the vehicle. We've had a couple of cars written off by i****s at traffic lights and roundabouts and much as we'd have liked to replace a car we'd owned for 3 years with one that was 3 years younger we only got market value..

Yes - your insurer should give you 'market value' - the typical cost of replacing the vehicle written-off with an 'identical' one. When my 8-year-old car was written off in a minor collision and the third party immediately admitted blame (drove out of a hidden side-entry) their insurer (Aviva) offered me their assessment of current dealer prices, which I agreed with, but chose to keep the car and have it repaired. If your car is written off in a no-fault incident your insurer has agreed to return you to your pre-incident situation. If they won't, dig your heels in.

Find similar cars year mileage model on Autotrader/dealers/ebay ads and refer insurance to these As someone else said if the car is a write off you can often get it repaired for a fraction of what the insurance will tell you Do not let them intimidate you and speak to a manager if the person dealing with you is not helpful... Have you considered claiming for the whiplash. I would and if you policy has legal cover get them involved. Too often some companies stall on their legal liabilities in the hope that claims will go away or be settled in their favour

Its a fairly rare car and not many about but he managed to pull 4 ads together and average value was about £6700 and was offered £4100.

In that case dispute the offer and ask for a better one ! Suggest that if they can find a car at that price they buy it for you, then you can swap cars.