Yip - they'll only pay for OEM materials (unless you pay for a separate individual modification premium in addition to the additional modification premium they've just charged)...........which actually might work quite well - let them fit a new OEM and flog new one, the bent scorpion and old OEM - use the funds to buy a Nismo
There's no chance I'm going down the non-insurance route.........it sounds like such a cliche but both our necks are killing! Besides - she seems to be under the impression that a few scratches will be cheaper than paying her excess - her face hit the floor when I said the exhaust would be around £380 fitted minimum.
make that 700 for oem