Oh my god.

All you wanted is "a few hundred quid" - LOL

Do you not know how insurance works? It's a £400 car. They told you if you scrap the car they will give you the cost for it. They told you that they would pay out. If your not willing to accept it then thats your own tough luck.

They won't just give you some money to get it repaired when it really isnt worth it.

Get a decent car, and then drivers may actually care about swirving around you.

Also, let me guess, you change insurers each year right? Maybe you shouldnt just think about price next time you choose an insurer, and look at exactly what your buying.

I stay with my insurer for the fact that I have heard their claim service is excellent. Sure, I can find it £40 - £50 cheaper elsewhere at my last renewal with exact same cover (i searched on this site out of interest incase it was say £100 cheaper) but I chose to stay who i am with, and who ive been with for 6 years, purely because they are excellent.

Next time you find a quote £3.75 cheaper, maybe you will actually think about what your paying for instead of being the same as every other dull minded customer.