posted 5 years ago

Written-Off Cars Flood Used Car Market

HPI Reveals Number Of Written-Off Vehicles

HPI has claimed that the second-hand market is plagued by countless cars that have been writen-off. As such, this company – that for a small charge will research a car's history – has claimed that for every thirty-three it checked in 2012 one had been classified a total loss by its insurer. That equated to six-hundred and twenty-five per-day and two-hundred and twenty-three thousand per-annum. Now, let us be clear. It is not illegal to repair and sell certain written-off vehicles. The seller must, however, make it clear to the buyer that it has been repaired and – in some cases – that it has passed a VOSA Vehicle Identity Check. The latter minimises ringing, which is transferring a written-off car's identity onto a stolen vehicle. Furthermore, without this check the DVLA will not issue a V5C Registration Certificate or a V11 Vehicle Licence Reminder. However, buyer beware. The Vehicle Identity Check does not confirm that the vehicle is roadworthy and repaired to standard - so it is very important to check every nut and bolt.

HPI Expert Discusses Written-Off Vehicles

Daniel Burgess, HPI's Managing Director, said: “It’s all too easy to be taken in by shiny paintwork and a low price, but it could be hiding a multitude of faults that haven’t been fixed. Unscrupulous vendors will sell a write-off to make a quick profit but if the vehicle is not properly repaired any price is too high.”

Categories Of Vehicle Write-Off

HPI has revealed that there are four categories of insurance write-off. Category A cars tend to have scrap value only, i.e. the price of the metal - but some have a few components that can be salvaged for resale. Such vehicles might have been burnt beyond recognition via arson attacks or electrical faults. Clearly, these can never return to the road. Category B vehicles have less damage so they provide a wider range of parts – but once again they must never return to the highway as whole vehicles. Category C cars, in contrast, can be repaired to a roadworthy state but the work exceeds their pre-accident values. In simple terms, this might include cars worth (say) £1,000 that have lightly damaged fronts and need radiators, bumpers and wings that to purchase and install cost £1,200. Category D vehicles, in contrast, can be fixed for less than their pre-accident value. Either way, with countless cars for sale why risk choosing a write-off?


Even a brand new car with more than 5 panels damaged and that can mean just a tiny dent or badly scratched is an insurance write off the blame for this has to be repair garages charging prices which are excessive why is it cheaper to ship the car to eastern europe to have it repaired and shipped back i am told half the price of the cost to do it here.So who is taking us for a ride insures or garages

Personally, I would consider a Category C vehicle, but before I purchased such a vehicle, I would pay for an independent engineer's report to be carried out. Many years ago in miss spent youth, I had a heavily modified car and the insurers insisted I get this report to ensure full safety & road compliance before offering reasonable cover, it wasn't all that expensive, but worth the money as it saved me almost £300/yr on insurance. It was far more thorough than a simple MOT, they go over every inch with a fine tooth comb. I believe both the AA & RAC can arrange these for anybody or alternatively check out the Yellow Pages.

Cars that are written off by insurance companies so should be able to be purchased by people or companies that are licenced to carry out the repairs to an acceptable standard. They should then have to pass a more rigorous test than an MOT before they are allowed back on the road. Proper repairs by qualified people should ensure the car is returned to a safe condition which is a much better option than simply scrapping them.

Blame the repairers,recently had a car "written off" for a small dent & a scrape.

I have bought more than one category C car which has been repaired. I know the man who has repaired them and the standard to which it has been done. Many cars are written off which are easily repairable which is a terrible waste. Some might be scratched and not need repairing. Lets fight needless consumption. Get them inspected if you don't know what you are looking at.

Any car that is beyond economical should be scrapped it's id destroyed the insurance companies are just maximising profits as usual if this happened people would get a true value for their vehicles ringing would be stopped at a stroke no dangerous nor badly repaired vehicles could come back into the market

Until very recently - I would not have considered a Insurance Write off. But last week purchased an insurance write off - a 2010 Fiat Punto for my Daughter as her first car. Difficult decision - Once you decide how much money to spend. If you go for a car that is a "Straight car" then it will be much older and more miles - Older usually means less safety features and more time for an unknown history to the car. I guess time will tell whether it was a good or bad decision. In the ideal world there would not be any damaged cars but if you accept that accidents happen then if cars like this were completely written off and never repaired it must have a very bad effect on the environment (all those cans of coke you recycle are nothing compared to new vehicle). Additionally insurance is too expensive already if these cars were not repaired then we would see even more expensive insurance. We just need to make sure that they are repaired to a safe standard.

I bought a Cat D BMW 330d Touring 4 years ago £4000 less than market value. It had been flood damaged no mechanical damage. I got it at 50k miles its now on 165k I would not hesitate on a Cat D a lot of the time owners refuse to take back a repaired car hence these come on the market when really they should be repaired. One thing of note when I got the V5C it stated Insurance loss but when it was reissued like they do this was not on it

ridiculas article. Nothing wrong with buying a Cat D if it is repaired properly with OEM parts. Perhaps your advice is to go and get ripped off buying a car at a main dealer?

Mandy, I'm sorry but your comment is unintelligible. Do you want to try again, but in English this time?

I was involved in a rta & u will have heard this countless times but it wasn't my fault but my was classed as 2 expensive 2 repair. This then meant I was being offered a very smalloi amount (2200) 2 replace my car an 05 ford focus 70 thou on clock full service history owned by me from 06 lookin round 2 replace it with anything similar was 4000 on forecourt. Need that size car 2 get my disabled dad, wheelcar, cases and 2 dogs when we go on hols so yes bought car back got enough money 2 get it repaired close 2 perfect just because insurance companies usr the most expensive garages they can find so yes there is 1 more wreck on the roads. Why does nobody play fair made me wonder why I bother with car insurance may think twice before I renew next year that's if o bother

As a repairer of “write offs" I find your comments to be abit over the top, I've repaired these vehicles for over 10 years now and have sold countless vehicles to many happy customers. You are putting it in a negative light, I understand there are cowboys out there that cock damaged cars back together but believe me there is a small few of us that do a good job and have many happy customers. Your more than welcome to come and see our work. There is nothing wrong with rescuing vehicles heading for years of storage, or would you prefer to pay higher Insurence due to cars not being repaired and being sent straight to the crusher!