Car written off, insurance offering too little to replace - anyone knowledgeable aronud?

[PacificState]

DP and I were in a collision a week ago -- thankfully everyone concerned was fine but our lovely car was written off.

The other party has admitted fault.

We're now at the stage of looking at the cost for replacing our car - and our insurer, Admiral, is offering around £2k below the price of the exact replacements we can find on AutoTrader. Even more confusingly, Admiral says (and has sent us the PDF to prove it) that the £2k-under price is one they've gotten from Admiral's 'market value' tool.

I just don't know where this number comes from -- it doesn't bear any relation to what we're seeing on AutoTrader.

Admiral is also saying there's 'no haggling' about the amount they're offering us, because 'the regulations have changed' and 'we don't do that any more'.

If anyone knows more about car insurance than I do I'd be really grateful for some insight - basically, is it worth pushing for more or do we just take it on the chin (and never go with Admiral again, obviously).

Thank you!

Yeah, mum has protected NCB too but when switching to another insurer (because the one we're dealing with has been beyond awful even for a no fault claim) you have to declare the claim and it goes up. She was adamant she wasn't staying with the insurers who have treated us so badly and cost us so much time and money (we are still waiting for a complaint response as by the deadline they hadn't even allocated someone to look at it, but what can you do)

No link for LV age limit, they wouldn't give an online quote and I spoke to Which who said that is usually to do with any claim if you're over 70.

My parents are 77 and 76, and still both insured with LV 🤔 And that’s after my father wrote a car off 10 years ago while on holiday. He had the money in the bank before they got home themselves 😂😂

Mnargh! I wonder if it's different if you were already with them? Mum hasn't had an accident in about 30 years until this idiot hit her, so I am fuming still with the unfairness of it all 😭 but that's what we were told, maybe I'll question it next year when I've not lost hours and hours of work time to dealing with someone else's stupid mistake 🙈

It could also be type of car and where they live that determine an insurers appetite for customers. So many variables!

I had an argument with car insurance years ago

My hand brake failed and my car rolled down a very gentle slope about 10ft into a car
I drove a VW up at the time and it hit a Toyota Hilux
No damage to my car and I couldn't see any to his which was also parked
Next thing I get a letter from the insurance and he's claiming for personal injury despite the letter saying both cars were parked and unoccupied!!

It was settled for 3k damage to his

A year later I get a court letter saying he's taking me to court for an extra 5k. The insurance ended up paying him as it was cheaper than going to court so he got 8k for absolutely nothing

I said to the insurance "they couldn't kill this car on top gear but my little vw up caused 8k of damage rolling into it at 5mph?!"

They offer the Trade price only. So the value of the car less mark up or dealer's profit.
Comes as a shock to many after a write off.