Get a fair payout when your car is written off

This guide is for drivers whose insurer has said their car is a total loss after an accident, flood, fire or theft and who now face an offer that may not replace what they had. It explains write-off categories, how market value is worked out, how to gather proof of your car's real value and how to negotiate, complain and, if needed, go to the Financial Ombudsman Service. You will end with a valuation evidence pack, ready-to-send letters and a clear plan for finance, paperwork and getting back on the road.

What is inside

• Full step-by-step method9 detailed steps with decision points
• Ready-to-use templatesLetter or email challenging the valuation · Formal complaint before going to the ombudsman · Valuation evidence table
• Timed action plan8 stages from “Day 1” to “On settlement”
• Costly mistakes to avoid4 traps and what to do instead
• Complete checklist12 items to tick off
• Insider tips and fixes4 tips and 4 common problems solved

Step by step

1. Understand the write-off decision and category

   Ask your insurer in writing which write-off category they have given the car and why. Category A means the car must be scrapped completely, and Category B means the body shell must be crushed though some parts may be salvaged; neither can return to the road. Category S means structural damage and Category N non-structural damage; both can in principle be repaired and used again. A write-off is usually an economic decision: repair costs plus other costs are judged too high compared with the car's value. Ask for the engineer's report and repair estimate, as you are entitled to understand how the decision was reached.