Feel for you on this - They certainly don't / do not want to understand.
Stick to your guns for a full repair (new engine) in your car.
You've had it from new, built to your spec. No doubt you've looked about but autotrader only has a couple that broadly match (age, milage) at £12-13k add in that (to you) these are wrong colour/spec & unknown and the cost to the insurer of the new engine isn't going to get close.
Unfortunately it could be time to warm up the legal beagles on your side - wishing you all the best on this & hoping they play ball.
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2012 XC70 SE Lux 215hp caspian blue
hers - 2013 V40cc D3 biarritz blue
ex - 2008 XC70 SE Lux 185hp Electric Silver
ex - 1999 V40 2.0SE
ex - 1988 740 GL estate, before that a 340 GL
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