He's actually quite right on that one mate. Somtimes maybe a bit more than 25% but generally speaking very low, more often than not much less than they paid. I used to work in insurance and it happened on a regular basis. Obviously it depends how much you pay for it to start with, but you need to be paying at least half the value of a straight car to stand any chance of getting anywhere near the money you paid if its written off again. There inferior cars, be it on paper or in the flesh so there not going to pay out for a clear straight car, and rightly so. Insurance companies dont like to pay out good money for a car thats already been paid out for before at some point.