Oh! I see.
Often the case, when you delve deeper unfortunately.
Once they have towed it away you don't have a lot of say regarding how much the pay off is. It could be as low as a few hundred pounds, scrap value.
Once you agree to their valuation or settlement figure or they tow it away you have little or no say at all.
If there is any personal items I should collect them now.
I assume there is nothing about the condition of the car pre accident that they can use against you, slight tyre wear, suspension/steering, brakes, anything they can use to reduce even further what they give to you?
If they are collecting the car without even having an assessor inspect the car it sounds like a foregone conclusion, though they may inspect at recovery agents yard.
Ideally you need to speak to a human at the insurance company, failing that if it is all on line you will have to state all the details when asking for a quote on a change of vehicle, be 100% accurate about the pending accident claim and keep a copy and the quote reference number.
If not , they are quite capable of taking the money for any additional insurance cover and then invalidating it without refund if a future claim is made. So keep copies of every detail and correspondence.
I am sorry to be all doom and gloom, but it can be nearly as stressful as buying/moving a house.