Enter your reg below to get a free car check. Upgrade to a premium report to view any insurance write off markers tied to a vehicle.
This occurs when an insurance company writes off a vehicle for one of two reasons:
– The car has sustained so much damage it’s unsafe to go back on the road
– It’s safe to drive but the cost to repair is uneconomical
When a car is written off, the owner will receive a cash payout for the loss.
There are currently four insurance write-off categories:
– Category ‘A’ is scrap only. When vehicles are so severely damaged, they should be crushed, including salvageable parts that must also be destroyed. The car should never be allowed on the road again.
– Category ‘B’ indicates extensive damage where the shell of the body should be crushed. However, some parts are salvageable. Similarly, the vehicle should never be allowed back on the road.
– Category ‘S’ indicates the vehicle has suffered structural damage and is more than just cosmetic. The car must be professionally repaired and is unsafe to drive until then.
– Category ‘N’ vehicles haven’t sustained structural damage and may include a problem with the electrics or cosmetic issue which is uneconomical to repair. It should not be assumed that vehicles written off under category ‘N’ are drivable as non-structural issues may include safety-related parts such as steering and brakes.
Whilst category ‘S’ and ‘N’ write-offs are perfectly able to be repaired for resale, you may not want to purchase this type of vehicle or, if you do, then you’ll want to know that it was repaired correctly and to the standard required. Armed with the information, you’ll be in a better position to make those enquiries.
Checking for accidents isn’t completely 100% accurate. If a driver decides not to claim with their insurance company, accidents won’t be logged. However, with our premium check option, you can check for logged accidents, including those vehicles that have been written off.
With our premium car check, you will be able to see if a vehicle has been written-off in the past and which write-off category it falls under. It will also tell you how the damage was caused and where on the car, the damage occurred, along with when it was reported and which insurance company handled it.
Vehicles written-off under categories ‘A’ and ‘B’ should not return to the road at all. They are deemed unsalvageable and should be crushed. Write-offs under categories’ S’ and ‘N’ are repairable, and if you’re looking for a bargain, then this is certainly an avenue to look at. It’s advisable to ensure that the necessary repairs were carried out correctly and to the proper standards.