Has Your Vehicle Been Written Off?
We'll Explain Your Options Clearly
- Pay No Excess
- Help Protect Your No Claims
- Manufacturer-Standard Repairs
We Can Assist If
- Your accident wasn't your fault
- Your vehicle is likely a total loss
- Your claim has not already been settled
- Your vehicle has Category S or Category N damage
- You need advice about your next steps
- You require a replacement vehicle
Our non-fault service normally needs an identifiable third party. If the driver left without giving details, we'll explain the alternative routes
Got The Other Driver's Registration?
We'll Take It From Here
Free advice • No obligation • Friendly UK-based claims handlers
What Is A Total Loss?
Finding out your vehicle has been written off can be frustrating and confusing
You may be wondering:
- What happens next?
- How much will the insurer pay?
- Can you challenge the valuation?
- Can you keep your vehicle?
- Will you still get a replacement vehicle?
Our experienced UK claims handlers will explain your options clearly and answer your questions without pressure or jargon
A vehicle is considered "written off" or a "total loss" when the cost of repairing it is greater than, or close to, its market value
This doesn't necessarily mean your vehicle cannot be repaired
If your accident wasn't your fault, we'll explain your options and help you understand the process
Prefer Us To Call You?
Leave your number and we'll call you straight back
Understanding Vehicle Categories
Category B
The vehicle itself must never return to the road. Some usable parts may be removed and reused
Category S
The vehicle has suffered structural damage. It can usually be repaired safely and returned to the road once repaired correctly
Category N
The vehicle has no structural damage. It may still require repairs before returning to the road
Important
Being placed into Category S or Category N does not automatically mean a vehicle can never be driven again
Many Category S and Category N vehicles are repaired safely and legally returned to the road
What Happens If Your Vehicle Is Written Off?
If your vehicle is written off following a non-fault accident, you may be entitled to receive its pre-accident market value
We'll explain the process and discuss the options available based on your circumstances
What Happens Next?
Still Driveable
We can book repairs around a date that suits you, with a comparable replacement vehicle where appropriate
Unsafe To Drive
Don't risk it. We'll arrange recovery and a comparable replacement vehicle to get you back on the road
Possible Write-Off
We'll explain the total-loss process, valuation and your mobility options. Call before the claim is settled
Will I Still Get A Replacement Vehicle?
Depending on the circumstances of your claim, it may still be possible to provide a comparable replacement vehicle while your claim is progressing
We'll explain what's available and how long it may be provided for
Why Drivers Choose Motor Claims Assist
Independent Advice
We'll explain your options clearly
Replacement Vehicles
Helping keep you moving
Total Loss Guidance
Helping you understand the valuation process
Experienced Claims Handlers
Supporting UK motorists since 2007
- Pay no excess
- Help protect your no claims
- Manufacturer standard repairs
What Happens When You Contact Us?
Watch our short video to see how we help drivers after a non-fault accident
No pressure. No jargon. Just clear guidance about your options
Written Off Vehicle Questions
Straightforward answers to the questions we hear most from drivers after a non-fault accident
It means the cost of repairing your vehicle is greater than, or close to, its market value, so it isn't economical to repair. It doesn't always mean the vehicle is beyond repair
Depending on the write-off category and the circumstances of your claim, it may be possible to retain the vehicle. Speak to us before the claim is settled and we'll explain the options available to you
Category S means the vehicle has suffered structural damage. It can usually be repaired safely and returned to the road once it has been repaired correctly
Category N means the vehicle has no structural damage. It may still require repairs before returning to the road
Category B means the vehicle itself must never return to the road. Some usable parts may be removed and reused
You don't necessarily have to accept the first offer. If you believe the valuation is unfair, tell us about your vehicle, its condition and its history and we'll explain the process and the options available
Depending on the circumstances of your claim, it may still be possible to provide a comparable replacement vehicle while your claim is progressing. We'll explain what's available and how long it may be provided for
Where we can assist with a non-fault claim, the aim is to keep your own policy out of it, which helps protect your no claims discount and means no excess to pay
In most non-fault cases, yes
If your car isn't safe to drive, we'll look to get a comparable replacement to you in as little as 3 hours
If your car is still driveable, we'll line up a replacement around your repair date so you're never left without one
If the accident wasn't your fault, the costs are recovered from the responsible driver's insurer - not from you
We arrange the repairs and handle the recovery of costs, so you're not left out of pocket
If you're eligible for our help after a non-fault accident, you won't be asked to pay an insurance excess to us
We'll explain everything clearly before anything gets arranged
Yes - you have the right to choose where your car is repaired after a non-fault accident
We can arrange it through our approved nationwide network of over 600 bodyshops, or talk you through your options
As soon as you call. Our UK team is available 24 hours a day, 365 days a year
The sooner we speak, the sooner we can explain your options and start putting things in place
Yes, the advice is genuinely free and there's no obligation to use us
We'll listen, explain your options, and only help further if you decide it's right for you
Still not sure? Talk it through with a UK claims handler - free, no obligation, 24/7
Looking For Something Else?
Select the option below that's closest to your accident
Unsure What Happens Next?
Being told your vehicle has been written off can raise lots of questions
Our experienced UK claims handlers will explain your options clearly and help you understand the next steps
Free advice • No obligation • Helping UK motorists since 2007
UK-wide support