If it's not on an agreed value policy he will get offered the Glass's guide price (usually bugger all). He will then have to go through a whole load of agro to prove the cars real value to get an anywhere close to sensible payout. I had this a few years ago when our old 2i was written off. First the offered £550 and after we went mental they upped the offer to £900. A couple months of clippings, letters and phone calls and a threat of speaking to the insurance obudsman and we finally got just over £2k