Car appreciation... the aesthetics, the engineering, etc

£180 is fair for the paint. £120 sounds pretty fair for the lost work too. Even if the paint shop has a courtesy car he won’t be able to use it for work, because licensing and insurance.

I guess so. I would imagine that insurance would see a 20-30% bump for 5 years. Reckon that'll more than cover paying out of pocket.

You could always negotiate.

That sucks. But it sounds fair and all in, is probably cheaper than your excess plus subsequent increases.