sh*t crazy to hear it bend the chassis/cabin!!

Big bummer, and both ends too. Hope you and who ever walked away unhurt.

If she's bent the chassis she's farked.

Try and look on the bright side of it mate. You wouldn't want a car that's been in a smash, good thing yours is totalled. And time to upgrade to the FG

You would know being a broker, but I thought if I was insured I was covered. Don't matter what. Is that only on rental cover ? or were you going to sue for that.

XR09 - Yeah ended up injuring my left knee, the impact from the rear flung my body backwards quite badly slamming my knee onto the steering wheel.

Regarding being insured for demurrage (rental car whilst your car is off the road). Unless its covered under your policy as an additional benefit, then you are responsible for the recovery for the rental car costs.

Most insurer's will attempt to recover your loss along with their loss (repair bill or total loss payout), but there is never any guarantee that you will be successful.

In short, get the rental car benefit added to your policy!!