I'm shocked insurance don't want any kind of checks done now! We had a minor bump in a Pug 205 van which lead to the drivers door needing replacing, it still opened and shut only you couldn't drop the window. Was written off. We pushed the dent out and had to get a new MOT on it for insurance. Must depend on the company?
The A/C will not work if there is no gas in it. The pump clutch will not engage as it will not see any pressure. Safe to drive until you get it all fixed.