I've just been thinking about this a little more, The insurance company are saying. If your car is damaged by fire they will repair the damage but not the fault that caused it......great if your car is only marginally damaged and you pay to fix the fault.

But a write off is a write off, therfore you should recieve full value. beyond economical repair etc etc. springs to mind

I had the same issue when a car went up the back of my classic car and they started quoting a 'betterment' clause. ie if they fix the panel and also remove the little bit of rust that was there, I have to paya percentage because it's better than it was before it was crashed!!! I held out and argued...they paid the lot......stick with it