Car Insurance Categories Write off Cat A B C D X

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The insurance write off categories are as follows:

Category A Insurance Write Off - the vehicle must scrapped and no parts or components can be sold other than for scrap. Amounts vary but the scrap value rarely covers the cost of recovery and delivery to a scrap yard.

Category B Insurance Write Off - the vehicle must not be used again but non- structural and roadworthy parts and components may be recovered for use in other vehicles. Care must be taken to ensure that they are not critical components with important safety functions.

Category C Insurance Write Off - the vehicle is repairable but the parts and labour would exceed the value of the car. This is a tricky situation as there are plenty of amateur and professional mechanics who could use second hand parts to repair these vehicles at much lower prices than the list costs for parts and labour. Cat C cars require a VIC test cat C vans do not need this

Category D Insurance Write Off - the vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write off. Perhaps the replacement car hire is too costly or it will take too long for a specialist part to be delivered. No vic test or inspection needed

Category X Insurance Write Off - the vehicle is easily repairable and may even be still roadworthy.

Category Stolen Write Off - the vehicle has been stolen and then recovered after the owner has been paid out by the insurance company, These vehicles are normaly not damaged and are normaly roadworthy

Unrecorded Insurance Write Off - the vehicle damage was not reported to the insurer or the driver was uninsured. The most common example is drivers who only have third party insurance but have had an accident that was their fault (usually not involving anyone else

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