My missus had her 2i twatted by some prick and the insurance company refused to sell us back the wreck. We were told they weren't allowed to do it anymore. She said it was because we might repair it and put it back on the road. It wasn't trashed and was repairable, just not at a cost the insurance bods were prepared to pay.

Our 2i went to the knacker yard with all of the good stuff on it (well some parts may have fallen off in the garage )