Contact us now on 0117 4011511 / 07881273732

When you think of a car that’s been written off, you’ll probably have an image in your head like in the picture. But the truth is that not all cars that are written-off have to be badly damaged. 

Whether your insurer deems your vehicle to be a write-off will depend on a few factors and we’ll take you through them here.

And, if your vehicle is ready for the scrap heap, we’ll show you how easy it is to scrap your car with us in Bristol and South Gloucestershire.

Let’s start with the basics – What is an insurance write-off?

Any vehicle that has been involved in an accident or has been damaged and is deemed by the insurance company to be unsafe to drive or beyond economical repair will be written-off (also known as a total loss).

Beyond Economical Repair means that the cost to repair the vehicle is higher than its current market value.

It’s worth noting that this doesn’t mean that older cars are more likely to be written-off; it happens to newer cars too if the replacement parts are very high.

Also, never assume that just because a car may have a few dents or scrapes or that it looks fine on the outside, that it will escape being written-off.  

How does an insurer decide a vehicle is a total loss? 

Most insurance companies have what is called a ‘repair-to-value’ ratio that they refer to when assessing whether a vehicle should be written-off or not. This is usually 50% or 60%, so for example, if your car is worth £10,000 and the repairs will cost £5000 then the repair-to-value ratio is 50% and is quite likely to be deemed a total loss.

Your insurer base this calculation on the estimate provided by one of their recommended repairers, so the parts may be higher because they’re coming straight from the vehicle manufacturer.

Therefore, bear in mind, that even if your car has minimal damage or looks OK from the outside, that it could still be written-off.

There are also Salvage Categories that your insurer will follow, ranging from a Cat A which is where a car is so badly damaged that it must never be driven again, but it can be scrapped to a Cat N where parts of the vehicle have been damaged but there’s no structural damage (this is a Cat S). 

.

What happens if your vehicle is a write-off?

Your insurer will make you an offer based on the current market value of your vehicle (not how much you paid for it) to cover the cost of you buying a new one. If you’re not happy with the offer you can dispute the amount and your insurers may revise the figure they’ve offered you.

Depending on what salvage category your vehicle is in, you may be able to buy it back from your insurers. You can then either get your vehicle repaired or you may want to scrap it using a reputable scrap car and vehicle company like us in Bristol.  

We scrap any type of vehicle, not just write-offs!

At GMP Motors Southwest we’ll offer you the best price for any type, make and model scrap vehicle.

Your vehicle doesn’t have to be written-off for us to scrap it! We also scrap:

  • MOT Failures
  • Old and New Vehicles
  • Unroadworthy Vehicles
  • Junk and Salvage Vehicles
  • Damaged Vehicles
  • Flood Damaged Vehicles
  • Fire Damaged Vehicles

 

How does it work? 

Get your instant quote over the phone today.

Call us on 0117 4011511 / 07881273732 or email us at garymarkpitt@icloud.com

We'll arrange free pick up of your scrap vehicle anywhere in Bristol, South Gloucestershire, and the surrounding areas. Or drop your vehicle to us in Willsbridge, Bristol. Our scrapping centre is easy to find on the A431 Bath Road, not far from Avon Valley, Bitton Station, Bristol.

We’ll pay you promptly upon collection of your scrap vehicle either by cash or via bank transfer, so you can enjoy spending it on whatever you want to! There's no need to worry about the paperwork, as we'll sort that out.

What are you waiting for? Get in touch with us NOW!