Insurance Write Offs?

Insurance Write Offs?

This is a very important consideration; you will often see cars that are advertised as a particular Category and you may wonder what does this mean and are the cars, safe, road worthy and value for money. They should be certainly be cheaper than a non “write off” status car.

Buying a write off, if done correctly, can save you a serious amount of money on the upfront costs, but there is more to consider.

Are you worried about resale values? If you are considering buying a car for the long term, where resell value becomes less of a factor, then a written-off car, providing it’s in good health, could be a shrewd investment. Just as you may buy it for a cut-price deal, the chances are someone else will want do the same to you when you resell it, but if this is many years down the line it should present less of a problem.

Also consider insurance costs, which may be higher with some companies.

You’ll need to do your research first to find out of all of the costs still equate to a good bargain, given it will also have a lower resale value.

We occasionally have insurance write offs for sale but we will only offer those that we believe have been properly repaired and offer value for money.

Because some category C, D, S and N cars may have received minor damage that has been repaired at a cost to the owner (not the insurer), these types of write-offs commonly find their way to the used car market.

Despite being replaced by N and S ratings, some category C and D cars written off before the changes were introduced may still be up for sale.

What are the different write-off categories?

New insurance write-off categories were introduced in October 2017 to better reflect the complexity in repairing modern cars. These are the categories now used when assessing damage in insurance claims:

Category A: Can’t be repaired. The entire vehicle has to be crushed.

Category B: Can’t be repaired. The body shell has to be crushed, but you can salvage other parts from it.

Category C: Can be repaired, but it would cost more than the vehicle’s worth. You can use the car again if it’s repaired to a roadworthy condition.

Category D: Can be repaired and would cost less than the vehicle’s worth, but other costs (such as transporting your vehicle) take it over the vehicle’s value. You can use the car again if it’s repaired to a roadworthy condition.

Category N: Can be repaired following non-structural damage. You can use the vehicle again if it’s repaired to a roadworthy condition. This replaced category C in October 2017.

Category S: Can be repaired following structural damage. You can use the vehicle again if it’s repaired to a roadworthy condition. This replaced category D in October 2017.

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