We could help you get back compensation if your insurer undervalued your car.

A vehicle write-off, or total loss, occurs when your insurer decides that the cost of repairing your vehicle is uneconomical based on its market value before the incident. The insurer will declare it a total loss and provide a settlement based on its pre-accident value.

Yes you can still make a claim. An insurance company treats a claim as a “fault” claim when it can't get back any of the costs it's paid out to settle the claim from a third party (such as another driver's insurer). This does not change the fact that your insurer should make a payout reflecting the true pre-accident market value of your vehicle.

Some insurers offer a lower initial settlement, assuming the customer might accept it or might not know how to challenge it. This is a point of concern highlighted by the UK regulator, the Financial Conduct Authority. Even if the insurer increases its valuation, it still may not be high enough when compared to the objective guidance available for valuing vehicles.

If you cannot remember the registration of your vehicle, we can still help. Simply enter the details of the vehicle manually and we should be able to find the vehicle and registration for you to continue a claim.

You're still responsible for any remaining finance payments. The reclaim against your insurer, for potentially undervaluing your written-off vehicle, is completely separate to any contractual agreement you have with your finance company.

Unfortunately, in order to make the claim, it would need to be the policyholder of the vehicle and not a named driver. Even if you were driving at the time of the accident, it would still need to be the policyholder who makes the claim.

Yes, the valuation considers factors like age, mileage, model, and additional features. Write Off UK ensures these factors are considered fairly, where that information is available.

Write-off Claim UK can assist with claims for incidents up to six years old, making it possible to revisit past claims where recent guidance suggests a higher valuation should have been used. If the write-off is more than 6 years ago, certain time limit restrictions for making a reclaim could apply.

Write-offs are classified into four categories:

• Category A: Severe damage, vehicle must be scrapped.
• Category B: Significant damage, parts may be salvaged but the body must be destroyed.
• Category S: Structural damage, can be repaired and returned to the road after re-registration.
• Category N: Non-structural damage, can be repaired and driven again without re-registration.

In some cases, yes. You can buy back your vehicle, especially if it's a Category S or N. However, the vehicle will carry a write-off marker, which could affect resale value. If it is a Category A or B, these vehicles are unable to be returned to the road and subsequently have to be scrapped.

Yes, you can negotiate. It's reasonable to ask your insurer how they calculated the value and which trade guides they used. Write-off Claim UK can support you in these discussions if your claim was undervalued, and you are using our service to reclaim.

Write-off Claim UK assists customers who believe their write-off settlement was undervalued by insurers. Using industry trade guides, Write-off Claim UK can determine the car's true pre-accident market value and could help you reclaim any underpaid amount.

It is important before engaging the services of a company or person offering to help you recover lost money through fraud that they are legally authorised to do so. Write-off Claim UK is a Claims Management Company that is Authorised and Regulated by the Financial Conduct Authority (Firm Reference Number: [FRN]).

You can check our credentials on the Financial Conduct Authority's Financial Services Register. The register lists all the firms authorised to conduct regulated financial services activities, which includes Claims Management Services. You can find the Financial Services Register by entering “FCA register” on your internet browser.

We're a UK based business operating from [Registered Address]. You can check by typing in “Companies House Search” into your internet browser and searching for “Write-off Claim UK”.

You can check independent review sites like Trustpilot and Google Reviews.

Yes, our service is chargeable but only where you receive compensation.

We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your insurer. If your complaint is not successful, you can refer it to the Financial Ombudsman Service yourself for free if the firm is still trading. For eligible failed firms, you can refer a claim to the Financial Services Compensation Scheme for free.

If you choose to use our service our fees are owed upon a successful claim and are a percentage of the amount recovered. We do not charge upfront fees, and if your claim is unsuccessful there is no charge. You can cancel your claim for free at any point unless an offer has been made, at which point our success fee will apply.

Write-off Claim UK will need some details about the vehicle that was written-off due to accident or theft. If you provide us with the vehicle registration, we use special databases to look up the important information about the vehicle. We also need to know who your insurer was, and when you believe the vehicle was written off. You do not need to know what a fair valuation for your vehicle would have been; because we will look into that for you.

The answer to this largely depends on our negotiations with your insurer, and their willingness to settle your reclaim. If your insurer is willing to make a compensation offer, the reclaim should take a few months from start to finish. However, if your insurer does not agree, and we need to involve the Financial Ombudsman Service, then this could potentially add many more months to await a resolution — depending on the ombudsman service's workload.

If a reclaim is successful, Write-off Claim UK charges a percentage of the reclaimed compensation as a fee. We do not charge a fee on the insurance payout you originally received prior to your reclaim with Write-off Claim UK.

For example:

1. A few years ago your insurer pays you an amount by valuing your written-off vehicle at £2,000.
2. You start a Reclaim with Write-off Claim UK. We uncover that your vehicle was in fact worth £2,500, resulting in a compensation payout of £500, to make up the difference.
3. Write-off Claim UK would charge a fee based on the new £500 payout (not the original payout of £2,000).
4. Write-off Claim UK's fee, based on a £500 compensation payout, would be £180 (including VAT).

If Write-off Claim UK does not recover compensation, you won't be charged any fees. Write-off Claim UK only earns a fee on successful claims.

Success Fee Charging Table

Please note that the examples are for illustration purposes only. They are not an estimate of the likely outcome or success fee.