Car Mechanics (UK)
Vehicle insurance write-off categories
When a car is written-off following an accident, the damage incurred means that it will fall into one of four categories. These categories were last revised in October 2017.
The vehicle has been destroyed or burned beyond recognition and must be crushed whole.
Vehicles can be broken for parts, subject to being drained of all hazardous fluids, after which the shell must be crushed and the DVLA issued with a Certificate of Destruction (COD).
The vehicle has suffered structural damage. It can be repaired so long as it is to a roadworthy condition. A marker is then attached to the V5C (logbook).
The vehicle has suffered non-structural damage. It can be repaired so long as it is to a roadworthy condition.
It is possible that older cars being sold on the secondhand market may still fall into two categories that have now been discontinued officially:
Can be repaired, but it would cost more than the vehicle’s worth. Can be used again if repaired to a roadworthy condition.
Can be repaired and would cost less than the vehicle’s worth, but other costs may exceed the vehicle’s value. Can be used again if repaired to a roadworthy condition.