Insurance Loss and Write-off categories Cat A, B, C, D
Insurance write-off categories
In the UK well over 500,000 vehicles are deemed a total loss or write off by insurance companies every year. Many of these however can be safely repaired but many can end up being
returned to the road in dangerous condition. The insurance loss categories are listed below and explain how they are indicated on a vehicle data check. If you have doubts or to be
absolutely certain that a vehicle is in a good roadworthy condition, it may be worth considering having a vehicle inspection done by the AA or RAC or one of the other accredited
providers. I will look into inspections and perhaps add a inspection compare link in the future.
Insurance Loss Categories - Quick reference
Category A - Must be crushed. All of it.
Category B - Vehicle may not be returned to road but parts may be sold.
Category C - Repairable. Significant damage. Cost of the repair is more than book value of vehicle at dealer rates.
Category D - Repairable. Probably non-structural damage. May have been economic to repair, but insurer doesn't want to.
Category X - Repairable. Minor Damage
Insurance Loss Categories - In detail
Category A The vehicle may not be resold it must be crushed. Severely damaged, total burnout or flood damage with no serviceable parts, or already a stripped out shell.
DVLA will require a Notification of Destruction.
Category B The vehicle may not be resold. It will have been damaged beyond economical repair, usually with major structural damage. The DVLA will require Notification of
Destruction but parts can be removed and sold on.
Category C Repairable salvage. Usually applies to vehicles with significant damage and where the cost of repairs exceeds the book value. It can be sold for repair but must
have VIC(Vehicle Identity Check) inspection before returning to the road. V5 documents are returned to DVLA and recorded as category C vehicles. You can re-apply for registration
on the original identity once the VIC inspection has been done. VIC inspection and re-registration removes the Category C classification, but evidence it was at one time Category C
remains on the vehicle's record at the DVLA and so will appear on a vehicle data check.
What is a Vehicle Identity Check and how does it work?(taken from the VOSA's site) The Vehicle Identity Check (VIC) has been introduced to help reduce car crime. It is intended
to deter criminals from disguising stolen cars with the identity of written off ones. When an insurance company ‘writes off’ a car, (Category A, B or C) they notify DVLA and a VIC marker
is placed on the DVLA record. DVLA will not issue a Registration Certificate (V5C) or a Vehicle Licence Reminder (V11) to a car with a VIC marker against it. In order to remove the VIC
marker the car needs to be inspected by VOSA to confirm its identity. When the car passes the VIC, the marker is removed. The VIC will be carried out by VOSA. It will involve comparing
the car against information held by DVLA, such as the vehicle identification number, make, model, colour and engine number. The VIC will also compare the record of previous accident
damage with evidence of damage repair as well as checking other components to confirm the age and identity of the car.
Will the VIC confirm that the vehicle is roadworthy? No. The VIC is designed to confirm the identity of the car and does not assess the quality of the repair. You should seek
independent expert opinion as to whether the car is roadworthy. If whilst carrying out the check the inspector notices a serious defect which would make the car dangerous to drive,
then they will issue a notice which prohibits the car being used. Once it has been made roadworthy the prohibition can be removed.
Note: I understand motorbikes falling into this category do not have to undergo a VIC inspection so will warrant close investigation and clarification of identity.
Category D Repairable salvage. Minimal damage, probably not structural, but insurer does not want to repair, even though it might be economic to do so. Often stolen and recovered
after claim has been paid. Or it maybe a vehicle where parts are difficult to obtain so a quick repair is unlikely. Does not need VIC inspection to return to road. Notification will
appear in your vehicle history check
Category X has been the subject of a claim but minor or very lightly damaged and required minimal repair work. It would not be recorded with the DVLA so would not appear in any
Vehicle Data Check
Not recorded - Not an official category, it simply means that there has not been an insurance claim, possibly only had third party insurance and damaged the vehicle themselves or don't
know who caused the damaged so can not make a claim or may not even been insured, either way the DVLA will not know in these cases so will not be recorded and will not show on any
Vehicle History Check