Thanks so much for everyone's kind words, it really does mean alot I'm still here in one piece, thats the main thing.

On the insurance front, after speaking to someone in the trade today it became apparrent that my insurance company will prob offer be around 9k which would neither be enough to replace my car or pay the 10.4k required by Skoda finance to settle the PCP :( - Hope this isnt the case as it will leave me without a car and with a £1400 whole in my pocket.

The offer they make you isn't something you are stuck with , and they do have to provide enough to replace your car with another of the same age and condition (minus any excess of course) , so there's no point worrying about it now.

Wait and see what they offer you , and in the mean time start looking on autotrader and Skoda's website to find all the cars that match your old one to use as evidence if needed. You won't necessarily get the advertised price as a settlement , but if you wander in to a dealer waving cash you should easily get a discount at the moment.

It may not be enough to clear the finance on the old car , but if you can buy a replacement vehicle with the settlement then you are still in exactly the same position as you were beforehand.

I spoke to him yesterday and gave him an idea of he could get from his insurance and a settlement figure. After thinking about it more if he persists with the insurance company I don't think he will actually end up being out of pocket too much after all.

glad you ok, dont worry to much about the car they are replacable unlike your life!!

TTo answer Karlos69, I guess you could have the springs and FSD's...but thats if I can buy the car back from directline? Never been through a car insurance cliam like this before so I wouldn't know..does anybody have any ideas how this would work? Incidentally would there be a demand for a written off Octy :confused:

Yeah don't worry about the shocks/springs matey. I was really just trying to lighten the mood with a little humour.

As has been said before, glad you're ok and hope you get everything sorted and back on the road asap.

Just wanted to thank you all for your kind words and support last week, especially James at Allams Skoda who gave me some good advice when I needed it.

now, good and bad news!

Bad news is that the vrs has been declared a CAT B and will be written off (as suspected - going to garage to take the OEM BT kit out tomorrow so will take some pics)

Good news is that the engineer who assessed my car has valued it and I can now pay the PCP off in full

Directline have a bidding process set up for CAT B's with a number of 'approved' breakers. I have agreed with the engineer that once the car has been bid on and won he will be able to let me know where it has gone.

As soon as I know I will be posting the details on here as I'd rather you guys benifit from all this rather than some random looking to Kev up his corsa with 18" Zeniths.

Rich