Albany will be claiming my excess back and weirdly sent me a letter today to attach any invoices for any other financial losses to claim back (MOT damage & VIC test).
I was pretty sure I didn't have to MOT it to get it back on the road but their policy is that they refuse to insure the car if its been declared a total loss by them, and on the basis they said to me that they would reclaim any MOT costs for me (as it expires in June normally so shouldn't have to do it) I bought the car back and put it through an MOT. In terms of them writing it off, they said that they would declare it as a total loss and that it would have to be declared SORN. Next thing I know im in a conference call with the DVLA and my insurance and theyve told me that its now SORN and the insurance ends at midnight. So I had to drive it home from Bournemouth to get it back to my parents thus missing a day of uni and work.