Many thanks Dave
I've taken a look at the insurance costs.
My excess is £300 then there is the increased premium over the next couple of years
I have found a 1 series M-type replacement for£225. I anticipate that it will cost in the area of £150 to have it painted the correct colour so I felt that it would be the best option
While my car is in the bodyshop, I will ask for a few dinks and bumps to be fixed so my car will return to a good standard again.
And thank you for the link