Just take the money & buy sumat else You also have to consider that insurance compnies don't like to insure write offs
That's scaremongering pure and simple... Never had an issue insuring mine.
It can be fixed to usuable condition with minimal fuss...
even with a warped boot floor? Not 100% sure I'd be happy with that tbh
Really need to see it, but the outer panel only contacts the inner panel around the lower edge, up the tailgate seal and along the window line... If the tail light is still securely attached then I doubt the floor is that badly done... The light cluster bolts to both inner and outer panel, so significant intrusion would break the cluster... Also don't forget that the tailgate is now a different shape, altering the perspective of the rear quarters...
If the chassis rails are bent then you might have a point, but i'd be surprised if the assessor bothered to look underneath... The tailgate is £370 in parts alone... Bumper shell the same, plus another £100 for the crash bar... So nearly £800 before paint and labour... He would have written it off on a blury instamatic picture faxed to him tbh...
I have the official Thatcham repair manual, and have hands on experience of repairing these... Would also suggest the the rear end would be further strengthened with the fitting of the tow bar...
I will try to find the pics from the rear quarter damage on my white one... Inner wing was practically unscathed as was boot floor.