Classic Car Weekly (UK)

What does ‘Write-Off’ mean?

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When repair costs exceed a car’s market (or agreed) valuation, it is deemed to be uneconomic­al to repair and written off. Profession­al bodyshop rates to repair even minor panel damage may eclipse low value classics’ worth quite easily but those cars, categorise­d within Insurance Categories C and D, may be repaired and returned to the road. An impact that has damaged the bodyshell significan­tly may dictate a Category B moniker, meaning that the body and its identifica­tion must be destroyed but the car can still be purchased in its entirety for spare parts. Category A relates to damage so severe that everything must be destroyed. Category A and B cars must never reappear on the road. If a vehicle is registered as a write-off, it will remain as a permanent record with the DVLA and you must declare it in the future, when insuring and selling the car. Should you not want this to happen, especially to a Category C or D classic that you intend to repair and return to the road, you may be able to negotiate with the insurance broker for a settlement that prevents the car being formally written-off.

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