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So you pay £3300 and it's not even your own policy ??? and it's financed up.
I bet the insurance co love you (the people who won't pay out if you crash it - as your the main driver not your old man)
I'm not one for recorded cars at all, but often it's not a bad way to get a nice car for decent money, assuming the repair is good etc.
Pics of before, during and after the damage are a must.
It is also worth remembering that if you claim you will only get the cat D of the car, not market value.
That demon tweeks folia tec stuff is very cheap. I was looking at getting a pro 'sticky back plastic' job done on my front bumper, yeah about £250 ! I passed on it.