Insurance Write Off Categories - Revision history

Steve69 at 10:57, 15 July 2010

2010-07-15T10:57:51Z

← Older revision		Revision as of 10:57, 15 July 2010
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	As a simple rule of thumb category A is crushed, category B is broken down for car parts, categories C and D are for repairs and category X is a bargain		As a simple rule of thumb category A is crushed, category B is broken down for car parts, categories C and D are for repairs and category X is a bargain


			'''Avoiding your car being categorised'''

			If an insurance company wants to write of your care after an accident, try negoiating. I have successfully had my car written off, bought back the car and been given a payout which almost exactly matched the repair bill. They also assured me that it would not be categorised on any insurance database, and wrote me a letter to this effect.

			Why did they do this? My guess is they where concerned that during the repairs more problems might be revealed, and, of couse, they did not have to pay for any courtsey car hire. In my case the difference between the salvage value of my car (which I paid) and their estimated value of the car was almost exactly equal to the repair bill - it was a borderline Category D write-off.

Stu: Insurance Write Off Catagories moved to Insurance Write Off Categories

2010-05-02T20:31:40Z

Insurance Write Off Catagories moved to Insurance Write Off Categories

← Older revision	Revision as of 20:31, 2 May 2010
(No difference)

paulc: typos, grammar, tidy up structure, ratioalise duplicate info

2010-04-16T16:54:36Z

typos, grammar, tidy up structure, ratioalise duplicate info

← Older revision		Revision as of 16:54, 16 April 2010
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			Many people think vehicle salvage means a heap of metal which doesn't drive and isn't worth a penny. This is not always true. In many cases vehicle salvage simply means the car is damaged and can be repaired. Salvage guidelines classify vehicles into categories A, B, C, D and X:


	'''Category A'''		'''Category A'''

	A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .		* A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .
			* Notification of Destruction required. (To be crushed).
			* Recorded at DVLA & HPI

	~~Notification~~ of ~~Destruction required~~. (~~To be crushed~~). ~~Recorded at DVLA & HPI~~		Category A is closest to being the archetypal heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).


	'''Category B'''		'''Category B'''

	A vehicle that has been written-off but ~~where it's~~ parts may be re-used. However, the body shell cannot be re-used and must be destroyed.		* A vehicle that has been written-off but its parts may be re-used. However, the body shell cannot be re-used and must be destroyed.
			* Notification of Destruction required. (Parts can be removed and sold).
			* Recorded at DVLA & HPI

	~~Notification of Destruction required~~. ~~(Parts can be removed~~ and sold). ~~Recorded at DVLA & HPI~~		Category B is damaged beyond economical repair and/or severe structural damage. However if you broke the vehicle salvage and sold the car parts there is scope to make a profit.


	'''Category C'''		'''Category C'''

	An insurance write-off mainly due to the cost of repair ~~would be greated than~~ the value of the car. It is suitable to repair to make it roadworthy.		* An insurance write-off mainly due to the cost of repair exceeding the former market value of the car. It is suitable to repair to make it roadworthy.
			* Can be sold for repair but must now have VIC inspection.
	Can be sold for repair but must now have VIC inspection.		* Recorded at DVLA & HPI.
	Recorded at DVLA & HPI.

			Category C vehicles can be repaired into a roadworthy condition. The damage may still be significant but it is repairable. If the work is done by a retailer the costs may exceed the pre accident value, however if you know how to do some things yourself or have a relationship with a garage at mates rates you may be able to repair it economically. Since category C is on the border between breaking the vehicle for parts and fixing the vehicle salvage up, you should always be sure you can fix it up viably before purchasing.


	'''Category D'''		'''Category D'''

	An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.		* An insurance write-off for other reasons as the repair costs may be less than the former market value of the vehicle. It is suitable to repair to make it roadworthy.
			* Recorded with HPI.

	~~Recorded~~ with ~~HPI~~.		Category D should indicate the vehicle is repairable and that the cost of doing so (retailer or no retailer) will be less than the former market value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.


	'''Category X'''		'''Category X'''

	A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.		* A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.





	~~Car/Vehicle Salvage~~
	Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.

	As this definition of vehicle salvage is vague it is best to inform you that vehicle salvage actually comes in categories and they are A, B, C, D and X, all with various pros and cons and as explained in this article can make us a nice bit of cash and many people use it as their main source of income.

	~~Firstly we will define the vehicle salvage categories in the below vehicle salvage guidelines:~~

	Category A suits the original theory of vehicle salvage being a heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

	~~Category B Damaged beyond economical repair and/or severe structural damage, however if you broke the vehicle salvage and sold the car parts you would stand to make a profit~~.

	Category C is ~~where~~ the vehicle ~~can be repaired~~ and ~~can bring you a profit. The damage may still be a lot but it~~ is ~~fixable to a road worthy state. If you get it done by a retailer they the costs may exceed the pre~~ accident ~~value, however if you know how to do something's yourself or have a relationship with a certain garage you will almost certainly make a profit~~. ~~Since category C is on the border~~ of ~~breaking the vehicle salvage down for car parts and fixing the~~ vehicle salvage ~~up, you should~~ always ~~ensure you can fix it up for~~ a profit ~~before purchasing~~.		Category X is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) and is often simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.

	Category D ensures the vehicle is always repairable and that the cost of doing so (retailer or no retailer) will be less than the pre sale value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.

	Category X is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.		'''Summary'''

	~~Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as~~ a rule of thumb category's A ~~and~~ B ~~are used~~ for car parts, categories C and D are for repairs and category X is a bargain		As a simple rule of thumb category A is crushed, category B is broken down for car parts, categories C and D are for repairs and category X is a bargain

S2Dave at 18:05, 12 April 2010

2010-04-12T18:05:26Z

← Older revision		Revision as of 18:05, 12 April 2010
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	Category X is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.		Category X is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.

	Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as a rule of thumb category's A and B are used for car parts, categories C and D are for repairs and category X is a bargain ~~and should be bought on the spot.~~		Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as a rule of thumb category's A and B are used for car parts, categories C and D are for repairs and category X is a bargain

	~~Most vehicle salvage sites such as www.slavagesparefinder.co.uk only deal with categories C, D and X and ensure only the best vehicle salvage, and often have more in-depth vehicle salvage guidelines.~~

S2Dave at 18:04, 12 April 2010

2010-04-12T18:04:52Z

← Older revision		Revision as of 18:04, 12 April 2010
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	~~'''~~Car/Vehicle Salvage~~'''~~		Car/Vehicle Salvage

	Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.		Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.

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	Firstly we will define the vehicle salvage categories in the below vehicle salvage guidelines:		Firstly we will define the vehicle salvage categories in the below vehicle salvage guidelines:

	~~'''~~Category A~~'''~~		Category A suits the original theory of vehicle salvage being a heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

	suits the original theory of vehicle salvage being a heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

	~~'''Category B'''~~

	~~Damaged beyond economical repair and/or severe structural damage, however if you broke the vehicle salvage and sold the car parts you would stand to make a profit.~~

	~~'''Category C'''~~

	~~is where the vehicle can be repaired~~ and ~~can bring you a profit. The~~ damage ~~may still be a lot but it is fixable to a road worthy state. If you get it done by a retailer they the costs may exceed the pre accident value~~, however if you ~~know how to do something's yourself or have a relationship with a certain garage you will almost certainly make a profit. Since category C is on the border of breaking~~ the vehicle salvage ~~down for~~ car parts ~~and fixing the vehicle salvage up,~~ you ~~should always ensure you can fix it up for~~ a profit ~~before purchasing~~.		Category B Damaged beyond economical repair and/or severe structural damage, however if you broke the vehicle salvage and sold the car parts you would stand to make a profit.

	~~'''~~Category ~~D''~~'		Category C is where the vehicle can be repaired and can bring you a profit. The damage may still be a lot but it is fixable to a road worthy state. If you get it done by a retailer they the costs may exceed the pre accident value, however if you know how to do something's yourself or have a relationship with a certain garage you will almost certainly make a profit. Since category C is on the border of breaking the vehicle salvage down for car parts and fixing the vehicle salvage up, you should always ensure you can fix it up for a profit before purchasing.

	ensures the vehicle is always repairable and that the cost of doing so (retailer or no retailer) will be less than the pre sale value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.		Category D ensures the vehicle is always repairable and that the cost of doing so (retailer or no retailer) will be less than the pre sale value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.

	~~'''~~Category X~~'''~~		Category X is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.

	~~is the best~~ vehicle salvage ~~around since the~~ car ~~has no or little damage (apart from wear~~ and ~~tear from the previous owners) to it~~ and is ~~simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes~~ a ~~high profit~~.		Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as a rule of thumb category's A and B are used for car parts, categories C and D are for repairs and category X is a bargain and should be bought on the spot.

	~~Therefore~~ vehicle salvage ~~can be~~ categories and vehicle salvage ~~guidelines produced and as a rule of thumb category's A and B are used for car parts~~, ~~categories C~~ and ~~D are for repairs and category X is a bargain~~		Most vehicle salvage sites such as www.slavagesparefinder.co.uk only deal with categories C, D and X and ensure only the best vehicle salvage, and often have more in-depth vehicle salvage guidelines.

S2Dave at 18:02, 12 April 2010

2010-04-12T18:02:43Z

← Older revision		Revision as of 18:02, 12 April 2010
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	Car/Vehicle Salvage		'''Car/Vehicle Salvage'''

	Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.		Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.

S2Dave at 18:00, 12 April 2010

2010-04-12T18:00:37Z

← Older revision		Revision as of 18:00, 12 April 2010
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	A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.		A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.





			Car/Vehicle Salvage

			Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.

			As this definition of vehicle salvage is vague it is best to inform you that vehicle salvage actually comes in categories and they are A, B, C, D and X, all with various pros and cons and as explained in this article can make us a nice bit of cash and many people use it as their main source of income.

			Firstly we will define the vehicle salvage categories in the below vehicle salvage guidelines:

			'''Category A'''

			suits the original theory of vehicle salvage being a heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

			'''Category B'''

			Damaged beyond economical repair and/or severe structural damage, however if you broke the vehicle salvage and sold the car parts you would stand to make a profit.

			'''Category C'''

			is where the vehicle can be repaired and can bring you a profit. The damage may still be a lot but it is fixable to a road worthy state. If you get it done by a retailer they the costs may exceed the pre accident value, however if you know how to do something's yourself or have a relationship with a certain garage you will almost certainly make a profit. Since category C is on the border of breaking the vehicle salvage down for car parts and fixing the vehicle salvage up, you should always ensure you can fix it up for a profit before purchasing.

			'''Category D'''

			ensures the vehicle is always repairable and that the cost of doing so (retailer or no retailer) will be less than the pre sale value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.

			'''Category X'''

			is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.

			Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as a rule of thumb category's A and B are used for car parts, categories C and D are for repairs and category X is a bargain

S2Dave at 17:25, 12 April 2010

2010-04-12T17:25:04Z

← Older revision		Revision as of 17:25, 12 April 2010
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	'''Category A'''		'''Category A'''

	A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .		A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

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	'''Category B'''		'''Category B'''

	A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.		A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

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	'''Category C'''		'''Category C'''

	An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.		An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

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	'''Category D'''		'''Category D'''

	An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.		An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

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	'''Category X'''		'''Category X'''

	A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.		A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.

S2Dave at 17:24, 12 April 2010

2010-04-12T17:24:30Z

← Older revision		Revision as of 17:24, 12 April 2010
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	'''''Category A'''''		'''Category A'''
	A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .		A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

	Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI		Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI


	'''''Category B'''''		'''Category B'''
	A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.		A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

	Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI		Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI


	'''''Category C'''''		'''Category C'''
	An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.		An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

	Can be sold for repair but must now have VIC inspection.		Can be sold for repair but must now have VIC inspection.
	Recorded at DVLA & HPI.		Recorded at DVLA & HPI.



	'''''Category D'''''		'''Category D'''
	An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.		An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

	Recorded with HPI.		Recorded with HPI.


	'''''Category X'''''		'''Category X'''
	A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.		A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.

S2Dave at 17:22, 12 April 2010

2010-04-12T17:22:51Z

← Older revision		Revision as of 17:22, 12 April 2010
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	Category A		'''''Category A'''''
	A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .		A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

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	Category B		'''''Category B'''''
	A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.		A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

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	Category C		'''''Category C'''''
	An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.		An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

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	Category D		'''''Category D'''''
	An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.		An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

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	Category X		'''''Category X'''''
	A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.		A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.