Pretty sure that they would need details of the 3rd party, then if that party didnt have insurance then that would then bring it into play.
Sorry to hear about you problem Craig
Only thing i can think of is to get a couple of cash quotes from a few bodyshops, then decide to claim or not.
I think that even if you did sell it needing repair then the amount you would loose would equal the no claims discount you already have.
Some people are just complete :tsktsk: :tsktsk: :tsktsk: :tsktsk: