Varies from insurer to insurer. Mum is insured with Aviva, slid off the road during bad weather into a tree, shunting the engine about 6" in towards the car, damaging radiator etc. Damage total was about €5800, car value around 6100. The car was approved for repair by the insurance company rather than being written off. My mother said she would bnever feel safe again in the car so luckily the dealer gave her the trade in value of €6000ish towards a new car, and insurers paid to repair it. Bit strange to see it on the forecourt knowing somebody has bought it, just hope it was repaired well!