Like-for-like explained: what you are actually entitled to
Like-for-like sounds precise, and often isn't. What it should mean is that your replacement is comparable to the car you were driving, not simply something with four wheels and an MOT.
If you run an estate because there's a dog and two children in the back, a two-seat hatchback isn't comparable, whatever the schedule says. If you drive an automatic, a manual isn't either.
On a non-fault claim the cost comes back from the other driver's insurer rather than from you, which is why it costs you nothing at the point you need it.
One piece of practical advice: tell whoever arranges the replacement what you actually use the car for. What it needs to do for you matters far more than matching the badge on the front.
