Have the vehicle inspected by an independent engineer to correctly establish the methods of repair required, what has been damaged,and the associated cost. Do not accept the insurer's offer till you have done this. They will be working on heavily discounted rates agreed with their network repairer, but you do not have this same contract so will not benefit from cheaper repairs. They must also pay the cost of the VAT when they offer the settlement. They will advise they do not have to, but they do. Do not take no for an answer.