What is a write off?
Your insurance provider will consider your car a write off if it’s beyond repair or would cost more than the value of the car itself to fix – and it doesn’t have to be all twisted metal and smashed glass for it to be written off. Even what you’d consider minor damage such as a scrape along the side could mean a one-way ticket to the scrap heap if repairs are likely to cost more than the car’s value.
If your insurance provider thinks your car’s a write off, it’ll fall into one of four categories, the category that it’s in will determine what you can do about it:
- Category A: your car cannot be repaired and is fit for nothing but scrapping and the vehicle will be crushed.
- Category B: your car cannot be repaired and its bodyshell will be crushed but parts can be salvaged.
- Category C: repairs are possible but fixing it will cost more than the car’s value.
- Category D: repairs are possible and the cost of repairs won’t exceed the car’s value but other costs (such as for transporting it to a garage) will tip it over the edge and mean it’s not worth repairing.
As you can imagine, cars in categories A and B should never set wheels on a road again but those in categories C and D are written off for financial reasons and if repaired to a road worthy standard, can be driven again.