Firstly, the insurance company wrote off my car because they couldn't get the parts to fix it. The hoops I've had to jump through to get it back on the road were ridiculous: new MOT, VIC test (vehicle identity check) filling out innumerable forms. It only had a minor dent! Still, almost over now... Accept it's not, the bloke who hit me hasn't admitted liability and the legal wrangling is ongoing. It doesn't look promising for my no claims bonus, despite none of this being my fault. What's really annoying is that he was driving a fleet car and probably had it whisked away for repair asap and got a replacement. As soon as they declared my car a total loss, off goes my courtesy car. Grr.