Discussion
Sneaky, one thing you may want to do is buy back the car as salvage (for which you have first refusal) and then sell on eBay or to one of the Lotus repair places. When mine was trashed last year I did that and sold to Sinclaires. Could get you a few quid more towards the replacement!
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Wet the bed! 

ING HELL! When I get a bit more time I'll post up the details.