Insurance cover on formerly written-off vehicle

[Chickle84]

Last December, I wrote my car off when I hit a patch of black ice and slid into a car in front of me. The damage to my car was mostly cosmetic and it was deemed a category D write-off (which is the lowest level of damage) so I decided to "buy-back" the car from my insurance company and get the car repaired myself. It was all sorted, I had it re-MOT'd and my insurance cover remains as it was before. Now my annual policy is due for renewal and I'm trying to find out what the situation would be if I had another accident in that car. Regardless of whether the accident is my fault or the fault of a third party, would I receive any sort of payment if my car was written-off a second time? The claims handler hinted at the time that my car would be pretty much worthless from now on, as I have accepted a payout from the Insurance company. Which begs the question, should I bother with fully comprehensive insurance on my vehicle or just opt for third party?
Thanks!

[wishy123]

Cat D should suffer little reduction in value if the repair has been completed to a high enough standard. It should be worth almost as much now as it was before the damage. MoT is not reliable as an indicator as it merely shows that the vehicle is mechanically sound, whereas the value will be more affected by the quality of the body repair. I suggest you go to a used car dealer for advice on its actual value as a previous Cat D. It doesn't take much damage these days for many vehicles to be declared cat D.