Thanks for the replies guys, and yes I have to admit I was shocked when the garage told me that. The assessor for Sainsburys bank called me today and confirmed it is a total loss. He estimated it to be 13k to get it on the road, however, he did say that was for the basic and didn't allow for any other work that may get found. So, at the moment, I have an offer, which after I take my excess off (£500) I am left with just over 8.5k. So now my dilemma starts, do I go and get another Zed or get something different.
I test drove and Audi A3 sport today and it was ok, then a 1 series BMW, which was awful and finally after much persuasion from my wife I drove a Merc SLK 200 convertible. Out of those the Audi was the best, reasonable pick up and not too bad inside. BUT, it's no comparison to the Zed....