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Sorry to hear about the frame, that's rubbish. I won't have any issue riding it but my bikes are much rattyer than yours.
When talking to the insurance be very clear about how it happened, I assume it happened in the incident with the rugby player. If you can't pin point exactly how it happened they might try and say it's wear and tear and not covered.
I honestly have no idea how you managing to keep up your daily miles. I've averaged 50 miles a day over the last couple of months and I'm really struggling with fatigue and generally feeling run down right now. Its really impressive.
Steel is tough, I'd want it repaired at some point in the near future but that will definitely be fine to ride for a while