Yeah it is going the insurance route, no intention of faffing around, I would just rather a more competent body shop did it than some generic repair place. I know it can be a pain re: future cover, but hey, it's what we pay insurance for.
Still local zeezeebaba yes.
I hadn't thought about issues at the join if the panel was replaced, I was more concerned about inbetween the 2 skins if it was pulled out, filled and painted, hence wanting to go somewhere like TGM