A write-off car is a vehicle that the insurance company have deemed more expensive to repair than they are worth and this is often the case with vehicles that have been involved in a crash.
If you’ve been looking at car auction websites, you’ll notice that there are often write-off cars up for bidding as it is a popular type to see at an auction. On Car.co.uk you will see write-off cars and they will always display the category of the write-off so that you can make an informed decision on whether the vehicle is worth buying to repair.
Pros to buying a write-off car
Buying a write-off car does have its plus points, they are usually cheaper and there are a lot of them, but you have to do your homework beforehand. If you are looking to use the vehicle for parts then the condition of the car is not as vital. However, you will need to ensure that the parts you need are in good working condition and not the parts that need repairing. If you are looking to repair the car to either use or sell on then you need to be more careful about the condition of the car and which category of write-off it is. There are certain categories you should avoid and others you should pursue with caution.
Categories A & B
If you see a vehicle in this category then it is best avoided. Cars in categories A and B have been deemed by the insurance company so severely damaged that they are completely not worth fixing and should be scrapped instead. If you are looking to salvage parts then these categories are still an option, but you must be weary.
Category C vehicles can be repaired; however, it is best only to buy if you have a good understanding of cars, or someone close that will be able to repair the vehicle at a cheaper cost. This is because vehicles in this category have been written off because the cost to fix them is greater than writing the vehicle off. Therefore, if you are going to purchase a vehicle in this category then make sure you are able to have the car fixed at a lower than normal price.
As you go further down the write-off categories, you’ll have a better chance of finding a car that can be repaired with not too many costs. With a category D vehicle, they may have been written off because the repair was too complicated, the success rate of the vehicle being repaired was too low or perhaps it would have cost the insurance company too much to place the driver in a courtesy car for the period of the vehicle being fixed. Although the car may still be damaged, you have a much better chance of fixing it than the above categories.
If you want a car with minimal work to do to it then opting for a category X vehicle is definitely your best bet. Cars in this category have been stolen and recovered, however the driver will have already been paid out by the insurance company, therefore the car is not returned to them. As a result, these cars are usually not in a depleted state and can be fixed for a relatively good price. If you’re looking to take as few risks as possible when searching at a car auction for a write-off car, be sure to research the category X vehicles. They may be a little more expensive, but come with the least risks.