Sorry Shaun, I didn’t mean to confuse matters - my interpretation of ‘total lose’ in this case is a write-off, you have totally lost your car.
The amount an insurance company will pay in on your behalf to repair is going to be limited by the agreed value and the terms of the policy.
there are some policies which include a 25, or 50 or 75% ‘uplift’ whereby the insurance will payout the percentage over/above the insured value - of course, you usually pay a little more for the privilege but some folk may be happy to do so. Of course, if you have an agreed value of £15k, but you believe it would only fetch £10k if you were to sell, you kind of already have a 50% uplift!
....... Andy