Expensive brake test

I remember when this happened, the video did the rounds but I don't understand the maths, or the whinging.

Yes, the Lambo took a big hit, but how does a £220,000 motor car get "Written off" and the insurance only pay out £87000? Surely if it's a write-off the insurance company pays market value, but then "MOT Tester crashes £87,000 car doesn't grab your attention.

OK The Focus is the best car she's ever owned but, 1, I'd fix that!
2, It's a non-fault accident claim for her. The insurance company should sort her out a comparable car. She shouldn't be out of pocket at all.

They're whinging about the small fine! the fine should be bigger to show the tester he can't go around crashing cars??? I think he probably knows that, there's probably a VOSA directive on not crashing cars. It is one accident caused by one mistake. The size of the fine is typical and consistent with other cases. The value of the damage shouldn't affect the punishment