My focus was written off as beyond economic repair after a front end collision, as they said it would also need a full respray.
They gave me £2500 for the car which I thought was very generous. I then bought it back off the insurance company. Cost me £140 and they delivered it to my driveway.
I found the same color vehicle in a breakers yard in Dartford with rear end damage and bought from them bonnet, lh wing, front panel, head lights, grills, radiator, air conditioning rad etc, all bolt on bits for £400 and fixed it myself.
Had to get it MOT tested and VOSA examined, drove it with no snags for a further 4 years. Brilliant car. No dramas with insurance or tax.