What is a write off?
Under the current salvage code, your insurance provider will consider your car a write off if it’s beyond repair or would cost more to fix than the value of the car itself. Even what you might consider minor damage, such as a scrape along the side, could mean it’s heading 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 will fall into one of four categories, which will determine what you can do about it. At the moment, these four categories are:
- A: Cannot be repaired and is fit for nothing but scrapping; the vehicle will be crushed.
- B: Cannot be repaired and the vehicle’s body shell will be crushed; parts can be salvaged.
- C: Repairs are possible, but fixing it will cost more than the car’s value.
- D: Repairs are possible and the cost of repairs won’t exceed the car’s value, but other costs (such as transporting it to a garage) will tip it over the edge and mean it’s not worth repairing.
Cars in categories A and B should never appear on the 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. However, as of October 2017, these categories are changing.