My Skoda Roomster was written off after what sounds like similar damage. It was though a 2011 model and 8 years old. No finance to complicate the situation.
I touched the n/s barrier on an all lane running section of the M1 round Luton. Sc***ed every panel from stem to stern but that was deemed repariable. Only when the repairer insisted on checking steering stuff did the need for a rack come to light. The extra cost of it and fitting tipped it over the approx £3800 value of the car.
The irritating thing was that I strongly suspect the rack damage was actually a different incident, a pothole a year or three earlier.
I could have bought the car for value as was but the sums and being left with a categorised car didn't really add up for me. Somebody else bought it from Copar and did it up, last time I checked it was still MoTd.
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