Write-off check
A write-off check reveals whether a vehicle has been declared a total loss by an insurance company following damage. This check helps buyers identify vehicles that may have been repaired after significant damage, which can affect safety, value, and future insurance costs.
Why this matters
Vehicles that have been written off may have hidden structural damage, safety issues, or poor repair quality. Write-off vehicles typically have lower resale values and may be more expensive to insure. Some write-off categories indicate severe damage that may affect the vehicle's safety and roadworthiness.
What can happen if you skip it
- You may purchase a vehicle with hidden structural damage or safety issues
- The vehicle may have a significantly lower resale value
- Insurance costs may be higher for write-off vehicles
- You may face unexpected repair costs if previous repairs were inadequate
- The vehicle may have ongoing reliability issues
What to look for before buying
- Run a vehicle history check to identify any write-off records
- Check the write-off category to understand the severity of damage
- Inspect the vehicle for signs of repair work or mismatched panels
- Verify the vehicle's MOT history for any related issues
- Ask the seller about any previous damage or repairs
- Consider having the vehicle inspected by a qualified mechanic
How a vehicle history check helps
A vehicle history check provides official records from insurance databases, showing whether a vehicle has been written off and the category of write-off. This helps buyers make informed decisions about whether to purchase a write-off vehicle and what price is appropriate. The check reveals the date of write-off and category, helping buyers understand the extent of previous damage.
What a Carpeep vehicle history check can show
- Theft and recovery status, including whether the vehicle has been reported stolen
- Write-off category (Cat S, Cat N, Cat A, Cat B, Cat C, Cat D) and date of write-off
- Outstanding finance agreements, including provider name, agreement type, and start date
- Mileage inconsistencies and potential odometer rollbacks, automatically flagged
- Keeper changes and number of previous owners
- MOT history timeline, including all test dates, pass/fail results, advisories, and recorded mileage at each test
- Vehicle identity verification
Related guides
Learn more about write-offs: What does insurance write-off mean? and What does total loss mean? For specific categories, see What does Cat S mean? and What does Cat N mean?
Frequently asked questions
Is it safe to buy a write-off vehicle?
It depends on the write-off category. Cat S and Cat N vehicles can be repaired and returned to the road, but you should have them thoroughly inspected. Cat A and Cat B vehicles should not be returned to the road and should not be purchased for road use.
What is the difference between Cat S and Cat N?
Cat S (structural damage) indicates the vehicle had structural damage that has been repaired. Cat N (non-structural damage) indicates the vehicle had non-structural damage, such as cosmetic or electrical issues. Both can be repaired and returned to the road, but Cat S vehicles may have more significant repairs.
How can I check if a car has been written off?
You can check if a car has been written off by running a vehicle history check using the vehicle's registration number. The check will show any write-off records, including the category and date of write-off. This information comes from official UK insurance databases.
Will insurance cost more for a write-off vehicle?
Insurance costs may be higher for write-off vehicles, as insurers consider them higher risk. Some insurers may refuse to provide comprehensive cover for certain write-off categories. You should check with insurers before purchasing a write-off vehicle.
Can a write-off vehicle pass an MOT?
Yes, a write-off vehicle can pass an MOT if it has been properly repaired and meets safety standards. However, you should check the MOT history to see if there are any ongoing issues or advisories related to previous damage.
Should I tell my insurer if I buy a write-off vehicle?
Yes, you should inform your insurer if you purchase a write-off vehicle. Failure to disclose this information may invalidate your insurance policy. Some insurers may require additional inspections or documentation before providing cover.