90% or more than a comparable car would cost to buy.

I think you're right, insurance totalled by definition, CanuckinLA and Tanstaafl are right, parts from a couple of scrapyards and a little genius with a blow torch in a lock up garage would see it right. Judging from the photo and having done diy on a succession of 4 minis in my youth, one with a crash which looked much like that, I'd have said the wheels might well be still in alignment and, by the way it's constructed, it's not to hard to straighten or replace.

Maybe the little men with blow torchs and paint sprays, who understand minis, are more in profusion this side of the channel - we have just such a man who sorts the small shunts on our company cars!