just do the math for me again please, is this right, they value at £2000, thats what you would of got, but instead they sell you the salvage for £300 so they actually give you £1700 and the bike.
But what about any future insurance as it is now classed as a write off
Matey they claim the value back from the other insurance if there's a third party at fault and you would not be loaded for next year, if it was your fault and you were fully comp your insurance company would have to pay and it would go against you next year.
It's not up to the stealer who's gets the opportunity to buy it back, some will try and tell you, you can't and buy it themselves to either sell on as a repairable or repair and sell themselves. Harder to do these days as insurance companies use a preferred stealer/company to off load there beyond repair bikes. If you want it tell your insurance company that you do. Providing it's just a beyond economical repair, as there're different categories go here
http://www.rac.co.uk/community/blog/rac-blog/september-2011/what-is-an-insurance-write-off if you want to know more, I'd say this one looks like a D.
They will just deduct whatever price you agree to pay for it out of the write off value. e.g. bike valued @ £2000, scrap value to you £300 they pay you £1700.
Don’t just except what they ask for either, make sure you do your home work what actually needs replacing and under cut their first 2 offers. Stealers/insurance inspectors can and will put down a replacement part when it doesn’t really need it i.e. old damage, just a scratch etc. It is possible to get a stealer to deliberately write a bike off or rather ensure it does get written off or the other way around, strictly not legal but it happens. It's all a bit of a rip off really some stealers repair so many damaged bikes the insurance inspectors don’t even look at the bikes they just take the stealers word for it and some of these so called inspectors don't even know what they're really looking at!
Also it's not been unknown for a stealer to write off a bike by putting on damaged parts from another bike without the owners knowledge to get a bike written off so they can then buy it to sell on at a huge profit, this sort of thing is rare but happens to new sort after or rare bikes and it's totally illegal.