How to approach buying a write-off

If you’re thinking of buying a write-off, follow these steps to stay safe and avoid ending up out of pocket:

● Pay for a history check

If a seller is trying to make money by advertising a repaired write-off without disclosing the fact, this will show up in a history check. As well as confirming whether a car has previously been written off, some checks will provide you with details and photos of the damage the car sustained, helping you to judge whether or not you should buy it.

As with any used car, a history check will also tell you whether the vehicle has been stolen or is subject to any outstanding finance.

● Get an inspection

This will cost you upwards of £200, but it’s well worth the cost. An inspector knows what to check and could find accident damage that you haven’t spotted. The AA, RAC, Dekra and Autolign all offer inspection services that could save you from buying a potentially unsafe car.

● Ask lots of questions

The insurer doesn’t have to release any information about how a car became a write-off, but some well-targeted questions to the seller can help you uncover what happened. The seller should be able to tell you what damage the car sustained, what parts were replaced and where the repairs were carried out.

● Tell your insurance company

Make sure you inform your insurance company that the car is a Cat N. It will probably have to be noted on your policy, otherwise you risk having any claim turned down in the future.