I went on holiday the day after I wrote this up, so thought I would check out what sort of response I got from everyone now I'm back in the UK.
I really wasn't too sure what sort of reaction I would get, I think I was expecting a lot of abuse about it tbh, which would have been understandable. I have to say I am stunned by the support from everyone, was really nice to see everyone's first concern was our well being.
a big thank you guys for all your comments.
As for the car, well, as predicted my insurance company are taking forever! So nothing new there I suppose. They do have my car and are in the process of their engineer's report being written up. I'm hoping for a settlement figure by the end of the week.
From there I'm going to try and buy the car back, if the price is right. I've been informed that if they categorise it as CAT C or D I can buy it back from them. If it's an A or B it will be going straight to to scrapyard.
I've no experience with this sort of thing so I don't know what to expect really.
In the meantime I've been going around trying to work out what sort of car I can afford to insure next year. Now I know insurance companies are weird with their prices sometimes, but the quotes I've been getting don't make too much sense to me. I've had:
EP3: £1550
ej9: £1300
Ek4: £1470
S14a (uk spec): £1300
MX-5 (1.8): £800
I know that is an awful lot of money for insurance, but I now have 0 NCB and I'm still under 25. To me that's a mental price for a 2L Turbo with RWD, being the same as a D series civic!!
All that being said, I will probably be getting a cheap run about until my insurance sorts itself out over the next few years.
Thanks again for the support everyone!