Gutted for you mate. The only way for you to get top money for the VR is to one, of had the car valued when you took out the policy. Or two, when you have the damage assessed, make sure you are present and chat to the assessor. They may give you top book for the car, but I highly doubt it. I believe Glasses guide no longer lists the VR6 (haven't got one to hand) but top dollar retail is around the £4k mark and Private Good I reckon around the £3-k and under. The assessor will try and rape you if you don't stand your ground, reject the first offer if you have no choice, they may just surprise