Matt, I was driving through camp, some guy in a Ford Ranger (the Hummers harder brother) goes over the speed hump and stops, so I decided to keep my distance and stopped before said hump. He saw some git in a van (Sorry, Iain!) and reversed back to talk. Before I had a chance to evade the move, he was on me, slowly, but enough to fold the bonnet in half, push back both headlights, bend the slam panel, crack the grill, and as the bodyshop found, damaged the wings and bumper as well. He phoned me tonight and told me he had told Admiral it was about £3200 worth of damage. I was concerned that they would write it off, but he said that if it is work for a third party, they cover up to nearly the total value of the vehicle, not 50% like if it was my fault.
There ya go, my tale of woe.