Over my motoring life i've had two written off motors.
1 was a mk 1 Diesel Golf, 2nd was my 70 series, 1st i was blameless when some plank in a pick up straightened a blind end out and rammed me head on, 2nd wifey took a set of armco out after being stung by something that possibly caused her a partial leg seizure, normally her driving is fast but efficient.
1st was insured by Coop when it was the old local rep method of insuring.
2nd by NFU which i believe is the best insurer out there, but at a cost i can't justify any more.
In both cases, the engineers who examined the cars stated on their reports how good the pre accident conditions of the cars were, so paid out at near enough likelty forecourt prices at the time, no negotiation required, i'd expected £4k for the 70 and they paid out £5 purely because of its obvious high maintenance condition.
Of course, both cars couldn't be replaced like for like because few used cars would be overmaintained to the sort of standards well represented by folk on these very pages, but the generous valuations helped to soften the blow each time.
Interesting stuff Tractionman, i'll keep that in mind of anything happens to either of the present vehicles.
I use a handy little 2 chaps and their dog bodyshop, who have generally come away from insurance work and now specialise in classics and private jobs, anything happens and it'll be going to them regardless.