I have emailed them a list of cars and apparently the average value of 3495, 3875 and 3795 is 2840!!! They are not willing to budge but this is via a Total Loss Settlement Negotiator from the repairers. He has said to discuss with insurance directly. Courtesy car is from the repairers, they have been told to collect the car from us but have not yet made contact, the repairers are aware of this and we are still waiting. The thing that bothers me most is should I have a total loss with my house, the insurance rebuilds so I get the same as I had, car insurance should be the same in my view eg I have written a car of certain make, model, spec and age off, it should be replaced with the same make, model, spec and age.