Sorry to hear this! I know first hand what you mean by “gutted is an understatement”.
My CS45 was stollen at 2 months old, I hated it every time someone said “at least it’s only a car, they’re replaceable”. Yeah I replaced it…. Eventually. But now I’m always on edge when I hear of another theft in the area. There were two cars stolen from next door to each other, in the same night, in our town a few months ago!
The insurance will be a nuisance, check your courtesy car T&Cs. I think mine was 7 days after pay out, or 28 days total, whichever came first. It was rubbish and forced you in to rushing things. I was fortunate, my mum and dad have an old Picasso for taking the dogs out in, so I insured that for a few months. Horrible car, but I’m grateful, it’s an auto too

Also, don’t accept their first offer, I used auto trader to prove the cars value, it was simpler for me though, the CS45 was new and there was about 5 for sale. Good luck with this is all I can say. It’s disgusting, you pay a fortune for insurance nowadays then they treat you so badly when you need to use it!