Good luck Sue, but honestly - ?1100 for a '98 Micra is far, far too high. I'd be amazed if you got anywhere near that. If you DO accept their write-off payment, the car becomes property of the insurer - if you want to keep it, they will deduct the scrap/salvage value from the payout: http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html#16