theyll just take the money off your settlement fee, which will be like ?300 theyll probably sell you it for, so theyll take 300 off the grand n a bit youll probably get back, get an unmoested one at a 52 53 plater under a grand easily, swap all the bits over you want grills ect, sell all the other bits breaking, then get ?60 or so for weighing it in, you probably wont end up out of pocket out of it, maybe insurance will go up slightly next year but these things happen unfortunatly