How to Check if a Car is a Write-Off

Buying an insurance write-off can be a cheap way to get a car, but buying one without knowing it is a disaster waiting to happen.

Why are cars written off?

An insurance company writes a car off when the cost of repairing the damage safely is higher than the car's current market value. If a £2,000 car needs a £1,500 repair, it will be written off.

The Write-Off Categories

• Category A & B: Severe damage. These cars cannot legally be put back on the road. Cat A must be crushed; Cat B can be broken for parts.
• Category S (Structural): The vehicle sustained structural damage (like a bent chassis) but is repairable.
• Category N (Non-structural): The vehicle sustained non-structural damage (cosmetic, electrical) but was uneconomical to repair.

How do you check for a write-off marker?

A visual inspection alone cannot establish whether a car has a recorded write-off marker. A Full Vehicle History Check may report a marker and category where information is available; coverage and update timing can vary, so treat the result as one part of your research and verify important details.

Should you buy a write-off?

A repaired write-off may suit some buyers, but its price, insurability and resale prospects depend on the vehicle, repair history and insurer or buyer. Poor repairs can create safety concerns. Ask for evidence of the original damage and repairs, check insurance options, and arrange an appropriate independent inspection before deciding.