Starting from the 1st of October, there will be new insurance write-off categories. From our mid-year data, we have listed, the UK’s top five write-off hotspots.
The old A, B, C and D write-off categories will be replaced with new codes: A (scrap), B (break), S (structurally damaged repairable) and N (non-structurally damaged repairable).
Below we have explained, each category in more detail:
A – (SCRAP)THIS VEHICLE
B – (BREAK)THIS
S – (STRUCTURAL)
N – (NON
| HAS BEEN INSPECTED BY AN APPROPRIATELY QUALIFIED PERSON, DECLARED UNSUITABLE OR BEYOND REPAIR AND HAS BEEN IDENTIFIED TO BE CRUSHED IN ITS ENTIRETY.
||VEHICLE HAS BEEN INSPECTED BY AN APPROPRIATELY QUALIFIED PERSON AND DECLARED UNSUITABLE OR BEYOND REPAIR.
||REPAIRABLE, THIS VEHICLE HAS BEEN INSPECTED BY AN APPROPRIATELY QUALIFIED PERSON AND DECLARED SUITABLE FOR REPAIR.
(STRUCTURAL) REPAIRABLE ,THIS VEHICLE HAS BEEN INSPECTED BY AN APPROPRIATELY QUALIFIED PERSON AND DECLARED SUITABLE FOR REPAIR.
Table 1: Places with highest % write-off warnings
||Morden, South London
||Doncaster, South Yorkshire
||Barking, East London
||Northolt, West London
Mark Bailey, Head of CDL Vehicle Information Systems, which owns My Car Check, said: “Some parts of the country are much worse than others when it comes to write-offs, with London particularly renowned for it. On average, over 18% of vehicles we check are listed as having been involved in a crash, around one in every five. For Morden, in the first half of this year, the risk of buying a write-off was more like one in three.
“Used car buyers should note that, from October, the new S and N categories will reflect the severity of accident damage, whereas the old C and D categories focused on the cost of repair. This is vital information, particularly regarding category S, because the consequences of being involved in a further smash in a car that hasn’t been properly structurally repaired could be horrific. As before, category A and B write-offs should never return to the road.
“Leaving the safety aspect aside, there’s the impact on desirability and value. A category N write-off which has had cosmetic damage repaired should still cost substantially less than a similar vehicle with clear history. In a survey a couple of years ago, 79% of mycarcheck customers said they wouldn’t buy a write-off. That’s why it’s so important to check before you buy.”
All of our information comes direct from the police, DVLA, insurers and finance houses, we hold hold comprehensive data on every vehicle on UK roads – things that buyers should be aware of before making an offer.