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Den! Surely if? And i mean If? they decide to write it off?You can remove your extra's Anyway? As they are not part of the vehicles original equiptment? :?
When i had a vehicle 'written off' by some muppet who didnt see it, (it was bright electric blue for crying out loud!) the insurance company allowed me to buy it back off them.2wks later i had it back on the road after repairing the damage and getting a brand new MOT to show it was road worthy. This was a few years ago now but I cant see why they wouldn't let you do that too,Good Luck