Thank you. The reason I asked for the name of the insurance company is that some of the “fringe” insurance companies will do anything they can to wriggle out of paying.
Ageas are a well-known name and they do not have any such reputation as far as I am aware.
Although not particularly relevant to this, the insurance company could raise the issue that you have been in breach of your insurance terms by driving the car with no test certificate. You were of course driving it illegally.
The fact that it may have been in good mechanical condition is actually not relevant be costs it is supposed to be in good mechanical condition. If it wasn’t in good mechanical condition, it would actually be worth less.
What the insurance company are likely to say is that if you were selling this car as it is “excellent condition, full service history, no MOT expired April 2019”, it would be worth a chunk of money less and that is not an unreasonable stance except that the opposite argument is that you wouldn’t do that because you would immediately go and get it tested because you know it wouldn’t be a problem and it would fly through the test.
You have to remember however that you cannot negotiate if the insurance company don’t want to negotiate.
If this is their final offer and you don’t accept it (which I can understand) then I would tell them exactly that and that unless they offer you the extra £1300, you will refer the matter to the Financial Ombudsman Service.
That really is your only option if you don’t want to take them to court and they will negotiate any further. It’s not something that in all honesty it’s worth going to court over.
If you could please rate my service five stars (even if it’s not the answer you wanted) that would be really helpful. If you have any further questions you want to ask on this subject, I am happy to deal with those for you.