what sort of mileage has it done, insurance assessor dont tend to get to involved with mechanical problems from a rear end shunt strange one guess its a pay your money and take the chance. maybe the owner wanted it wrote off so could have a new one from who ever run up the rear of it as by sounds of it that could be the accident, so by adding a vague comment about the engine bearing in mind it cant be driven on a road enough to prove or disprove etc,, might just be a add on, most people do this when they dont want the car to be repaired,, sound to me like it could be like that id direct form auction and never been but back on the road,, but if has been repaired and checked and put back on the road then at later date after realising its got a turbo/heat/water problem bearing in mind its water cooled it might come back to bite you,, end of day its a gamble, based on just a turbo the unknown bit is whether a 2018 n18 turbo is same unit as a 2015 one, as 2018 car and emissions changes over this time might have a difference ,, that said the above link they refurb turbo's you should be able at worst to send your old unit to them for refurb, at best the 2015 one will fit, UK or german sourced turbo refurbs tend to be good, GAP TURBO'S online worth talking to have a fb page as well prices are on par with ebay sellers
as for changing the turbo its a easy job would always fit new oil feed pipe, always prime a new turbo before starting ie pull the wires off the cam sensors and crank until oil flows through turbo bearing, failure to do this will allow the turbo bearing to run dry for a few moments and can damage the turbo,
after this prob need a diagnostics to reset and clear any codes maybe , as its 2018 not meany out there for that age of car, wurth snooper is only one that might do thats cheap.