What Happens When Your Car Is Written Off
Being told your car is a "total loss" raises a lot of questions. Here's a plain-English explanation of the process.
What does a write-off mean?
An engineer assesses the cost of repairing your vehicle against its pre-accident market value. If repairs would cost more than the car is worth, or if it's unsafe to repair, it's generally declared a total loss. UK insurers typically assign a damage category — for example Category A, B, S or N — which reflects the extent of damage and whether any parts can be salvaged or the vehicle can ever return to the road. The exact category depends on the engineer's assessment of your specific vehicle.
How is the valuation worked out?
Insurers generally base a settlement on the vehicle's pre-accident market value — what it would have cost to buy a similar vehicle of the same age, mileage, and condition immediately before the accident.
What if I don't agree with the valuation?
You can challenge a settlement figure you think is too low. Gathering evidence — such as adverts for comparable vehicles for sale at the time — can support your case. Our team can help you request an independent valuation.
What about outstanding finance?
If there's finance outstanding on the vehicle, settlement money is usually paid towards that first. Tell your finance company about the accident as soon as possible, and speak to them directly about your specific position.
What happens next
If the accident wasn't your fault, our team can talk you through your options, including a replacement vehicle where eligible, and deal with the insurer on your behalf.