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The expression write-off is when a car usually costs more to fix than the vehicle is actually worth, and thus becomes destined for the scrap yard. A written off car is then dismantled for the parts that have a re-sale value and sold back through sites such as Breakeryard. Insurance companies categorize write-off's as A, B, C and D; category A is the worst form of write-off, and D is considered an economical write-off.

Different meanings to a write-off

Written off cars within category A and B are considered to be very dangerous and are illegal to restore. These cars really need to be scrapped as they are deemed unsafe.

Cars within the C and D categories are usually considered too pricey to repair compared to the cost value of the overall vehicle. These cars are not considered risky to the public; however, there are some pitfalls involved if complete restoration was to take place. Some of these written off cars could be deemed unsafe to restore and drive afterwards. Many written off cars are stolen, some have outstanding debt and many also have an unhealthy history due to previous accidents.

Statistics actually confirm that almost 1/3 of written off cars have been stolen or the owners still owe money. Auto Check can confirm that 1/4 write-off cars have had previous outstanding debt or some financial setback. One in fourteen vehicles were discovered to have dodgy mileage figures. In fact, it is also important that these cars do not emerge again onto the UK roads as thousands have even been proved to have done so. This is why when you purchase a vehicle it’s always worth running some previous checks on the history

If you are considering buying a car, why not contact Auto Check. For a small fee, they can confirm all the above discrepancies. This check is not mandatory by law, but it is advisable. Additionally, if you find out your car was previously written off and you are still happy to purchase it then make sure you let your insurer know, or you may incur a loss of pay-out should you need to make a claim.

It is actually perfectly legal to restore a category C and D write-off car. Once the registration number has been checked for any of the above discrepancies, the car then can be restored cheaply. Many motorists enjoy restoring cars; and depending on the severity of its damages it can be cheaper to restore than buy a brand-new car.

A car worth £10,000 that has been involved in a minor accident with little damages can be deemed as write-off. The insurance company has to pay for towing, find an assessor to inspect damages, locate an approved repairer, pay for storage and offer a rented car to the driver.

Often it is financially better for insurance companies to count their so-called losses. The reality is, are there any real losses involved? Insurance companies can actually claim more than 60 per cent of the value of the car from salvage companies. Rather than the insurance company being at a loss for writing off a car, they can often be in profit.

Category D write-off cars are considered extremely appealing. They are good for anybody who does not want to pay extortionate brand-new car prices, budgeting buyers and savvy mechanics who want to make some profit.

What’s your view on restoring written off cars? Please leave your comments below.