Making it a total loss is a nonsense. It makes no economic sense, neither is it a green solution. Obviously it would take hours of work, but that stripped out chassis would allow an accident damaged Plus Six to be recovered. All the metal parts on Hammonds car, plus the wheels would be salvageable. If the water wasn't deep the hood would be salvageable. The whole thing is ridiculous.
Agree, a LOT of the harness and electrical bits get very wet when just driving in the rain, on a motorway at 70 the water pressure pushing into all the nooks and cranies is quite high
I've heard if the water is mucky the insurers are frightened of things like Weils disease