Buying a used car can be a great way to save money, but it also comes with risks. One of the most critical checks you should perform before purchasing a second-hand vehicle is a write-off check. This check helps you determine whether the car has been previously declared a total loss by an insurance company due to significant damage.

Many buyers unknowingly purchase vehicles that have been written off, only to face unexpected repair costs, safety hazards, and difficulties with insurance. In this guide, we’ll explain what a write-off check is, why it’s essential, and how you can perform one before committing to a used car purchase.

What is a Write-Off Check?

A write-off check is a vehicle history check that reveals whether a car has been declared a total loss by an insurance company. When a vehicle is involved in an accident, flood, fire, or theft, insurers assess the damage and decide whether it is financially viable to repair. If the cost of repairs exceeds a certain percentage of the car’s value, the insurer may classify it as a write-off.

In the UK, insurance write-offs are categorized based on the severity of the damage.

Write-Off Categories Explained

Category A (Scrap Only)

• The most severe classification
• The vehicle is completely destroyed and cannot be repaired
• Must be crushed and never returned to the road
• Even salvageable parts cannot be reused

Category B (Break for Parts)

• The vehicle has suffered extensive damage, making it unsafe for road use
• It cannot be repaired but some parts may be salvaged and used in other vehicles
• The chassis must be scrapped

Category S (Structurally Damaged but Repairable)

• The vehicle has sustained structural damage, such as chassis or frame damage
• It can be repaired and returned to the road, but repairs must be done professionally
• Buyers should ensure the car has been repaired to a high standard before purchasing

Category N (Non-Structural Damage but Repairable)

• The vehicle has non-structural damage, such as cosmetic damage, electrical faults, or minor mechanical issues
• It can be repaired and legally driven again
• Some hidden issues may still exist, such as electrical faults or airbag deployment

Why is a Write-Off Check Important?

Ensures Your Safety

Many written-off vehicles are repaired and put back on the market. However, not all repairs are done to a high standard. A car that has suffered structural damage may have hidden weaknesses that compromise its safety.

• Poorly repaired vehicles may have weakened frames, making them less resistant to future collisions
• Electrical issues from previous damage can lead to malfunctions in airbags, brakes, or steering systems
• A write-off check helps you avoid unsafe vehicles that could put you and your passengers at risk

Helps You Avoid Insurance Issues

Insurance companies treat written-off vehicles differently. Some insurers may:

• Refuse to cover a previously written-off car
• Charge higher premiums due to the increased risk
• Require a special inspection before providing coverage

By checking a car’s write-off status before buying, you can avoid unexpected insurance complications and ensure you can get proper coverage.

Protects You from Hidden Costs

A car that has been written off and repaired may still have underlying mechanical issues. Some sellers may not disclose previous damage, leaving you with costly repairs down the line.

• Electrical faults may not be immediately visible but can be expensive to fix
• Airbag systems may have been deployed and improperly replaced
• Chassis damage may not be visible but can affect the car’s alignment and handling

A write-off check helps you identify these risks before you buy, saving you from unexpected repair bills.

Affects Resale Value

If you buy a previously written-off car, its resale value will be significantly lower than a vehicle with a clean history. When you decide to sell it in the future, potential buyers may be hesitant to purchase a car with a write-off history.

• Category S and N vehicles typically sell for 20-40% less than similar cars without a write-off history
• Some buyers and dealerships refuse to buy written-off vehicles altogether

Knowing a car’s history before purchasing ensures you don’t overpay for a vehicle that will lose value quickly.

How to Perform a Write-Off Check

Step 1: Get the Vehicle’s Registration Number (VRM)

Before running a check, you’ll need the car’s registration number (license plate).

Step 2: Use a Trusted Vehicle History Check Provider

Several online services provide write-off checks by pulling data from insurance records, the DVLA, and other sources. Some of the most reliable providers include:

• HPI Check
• Motorscan
• Total Car Check
• CarVertical

Step 3: Review the Report

A vehicle history report will provide:

• Write-off category (A, B, S, or N)
• Accident history
• Outstanding finance checks
• MOT history and mileage verification

If the car has been written off, carefully assess whether it’s worth buying. Category S and N vehicles can be roadworthy, but you should always inspect them thoroughly.

What to Do If a Car Has Been Written Off

If a car has a write-off history, consider the following before purchasing:

• Inspect the vehicle with a professional mechanic to ensure repairs were done correctly
• Negotiate a lower price to reflect the car’s diminished value
• Check insurance options to ensure you can get coverage

If the seller is unwilling to provide details about past repairs, it’s best to walk away from the deal.

Conclusion

A write-off check is an essential step when buying a used car. It helps you avoid unsafe vehicles, hidden repair costs, and insurance issues while ensuring you get a fair deal.

Before committing to a purchase, always run a vehicle history check to verify the car’s past. This small step can save you from costly mistakes and ensure you drive away with a safe, reliable vehicle.