I've just repaired my mk4 as it was a CAT C. My wife was in a small bump at a round about that damaged the front bumper, and drivers side wing and head light. Insurance wrote the car off!!
I bought it back, got it repaired and just carried on using it. Apparently, according to someone in the 'know' insurance companies have a target to hit with vehicles over 5yrs old to get them off the road!!