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Insurance write off codes

insurance write off codes

Insurance Write Off Codes - Avid Community

When you make an insurance claim because your vehicle is damaged, your insurance company will tell you:

  • if your vehicle is being written off
  • how much they’ll pay you

When vehicles are written off

Your vehicle will be written off if it’s beyond repair, or would cost too much to repair.

The damage to your vehicle doesn’t have to be serious for it to be written off.

Example A car could be written off if it has a cosmetic scrape along one side, and the cost of repairing it is more than the car’s actual value.

Write-off categories

There are 4 categories your vehicle can fall into if it’s written off. What you do next depends on which category it’s in.

Category Repairing the vehicle Using the vehicle
A Can’t be repaired Entire vehicle has to be crushed
B Can’t be repaired Body shell has to be crushed, but you can salvage other parts from it
C Can be repaired, but it would cost more than the vehicle’s worth You can use the vehicle again if it’s repaired to a roadworthy condition
D Can be repaired and would cost less than the vehicle’s worth, but other costs (eg transporting your vehicle) take it over the vehicle’s value You can use the vehicle again if it’s repaired to a roadworthy condition

What you need to do

Your insurance company will usually deal with getting the vehicle scrapped for you. You need to follow these steps.

  1. Apply to take the registration number off the vehicle if you want to keep it.

  2. Send the vehicle log book (V5C) to your insurance company, but keep the yellow slip (V5C/3) from it.

  3. Tell DVLA your vehicle has been written off.

You can be fined £1,000 if you don’t tell DVLA.

Keeping the vehicle

If you want to keep a vehicle in category C or D, the insurance company will give you an insurance payout and then sell the vehicle back to you.

You need to follow these steps.

  1. Send the complete log book to your insurance company.

  2. Apply for a duplicate log book using form V62. There’s no fee.


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