Hi Ed,
Sorry to hear/see the demise of your nice TZD Estate, but as already has been said I'm glad you and her indoors are all okay as you can always replace a car even if its not exactly quite the same as the one you had !
Also its a good job you weren't in the Fiat Cinquecento as I've seen a few of those in the local breakers yard after an accident and what I saw was not very reassuring !
So as a first car for my Daughter, that instantly came of the selection list (I would recommend a VW Polo as first car as there more bullet proof) !
ed4ferrets wrote:Buggers took her away so don't know about sneaking the head off .... unless you know someone at Lloyds recovery mate

I believe that 'Mulley' maybe still after a
TZD TURBO head (unless he's got fixed up)?
If you don't get a good offer when it comes to the the other persons insurer giving you a decent offer of compensation try and negotiate what it would cost to replace it (If one came available) plus keeping the damaged one for spares for a future BX purchase or so as you could recover some monies by breaking it up for spares your self as part of the final payout !
Also remember never take a first, second or even third offer as what happened to me with my daily XM runner which was hit by an uninsured driver over three years ago which they wanted to write it off instantly for some relatively minor damage !
So I took my insurance company to the Insurance Ombudsman in the end to get a decent offer after two years of putting up a fight with them before I got decent offer for the car and I also kept the car and repaired it all myself (lucky it was only just bolt on items which I sourced off my friend who just happened to be scrapping his XM after a very long list of problems with an MOT failure, also the car was exactly the same colour too) I am still using the same car as my daily runner !
But from the photos of your BX it looks far too much to get even back to 99% to how it was prior to the accident !
So remember, do-not take the first or even second offer they may insult you with.
BTW if your needs are not a must for a BX Estate I can put you in touch with someone who may still have available For Sale, their hatchback TXD Diesel Turbo at a reasonable price (PM me for details), but its on a 'K' plate unlike your Estate which is 'L' plate.
All the best with it and hope you can find a replacement soon, but the main thing is your both okay !