If it goes to a bodyshop it will need a new bumper and brackets at £450 from Ford, plus the rear impact beam has been dented so the bracket points have moved forward and up, this has also caused the boot floor to go up slightly so the trim doesn't fit, and the boot lip has bent down.
I can live with the damage as long as I can get the distortion in the boot floor pulled out outwardly the bumper just has a hairline split and has popped out by the rear wing.
The car is worth (a realistic) £2500, 10 years old and its done 103,000 miles and is clocking up 35,000 a year so its not going to be easy to sell on anyway as most of them are doing school runs and on 50,000.
Be nice if its written off but due to the mileage we'd have to spend a another £3k to get something reliable and that is a 'keeper', so it would be nice to have a bit less cash towards the replacement, then wait another year. Plus we'd still have a car that can be traded in.
What are the ins and outs of claiming direct? How does it affect things like a courtesy car? Train travel costs for the past three days? (wasn't sure the bumper was secure)