Great article guys, very informative. Both C and D categories include cars that can be repaired and returned to daily use, or ones that are recommended to be totally scrapped and never allowed back on the road. It is not illegal to repair or return category C or D vehicles back to the road as long as the seller declares the facts and provides evidence that the car has passed a Vehicle Identity Check (VIC). However, HPI advises used car buyers to watch out for unscrupulous vendors with vehicles that have been poorly repaired and possibly pose a serious threat to the safety of its occupants and other road users.
And so can vehicles in A and B. (specialist repairers)
Insurance write-off categories
In the UK well over 500,000 vehicles are deemed a total loss or write off by insurance companies every year. Many of these however can be safely repaired but many can end up being returned to the road in dangerous condition. The insurance loss categories are listed below and explain how they are indicated on a vehicle data check. If you have doubts or to be absolutely certain that a vehicle is in a good roadworthy condition, it may be worth considering having a vehicle inspection done by the AA or RAC or one of the other accredited providers. I will look into inspections and perhaps add a inspection compare link in the future.
Insurance Loss Categories - Quick reference
* Category A - Must be crushed. All of it.
* Category B - Vehicle may not be returned to road but parts may be sold.
* Category C - Repairable. Significant damage. Cost of the repair is more than book value of vehicle at dealer rates.
* Category D - Repairable. Probably non-structural damage. May have been economic to repair, but insurer doesn't want to.
* Category X - Repairable. Minor Damage
Insurance Loss Categories - In detail
Category AThe vehicle may not be resold it must be crushed. Severely damaged, total burnout or flood damage with no serviceable parts, or already a stripped out shell. DVLA will require a Notification of Destruction.
Category B The vehicle may not be resold. It will have been damaged beyond economical repair, usually with major structural damage. The DVLA will require Notification of Destruction but parts can be removed and sold on.
Category C Repairable salvage. Usually applies to vehicles with significant damage and where the cost of repairs exceeds the book value. It can be sold for repair but must have VIC(Vehicle Identity Check) inspection before returning to the road. V5 documents are returned to DVLA and recorded as category C vehicles. You can re-apply for registration on the original identity once the VIC inspection has been done. VIC inspection and re-registration removes the Category C classification, but evidence it was at one time Category C remains on the vehicle's record at the DVLA and so will appear on a vehicle data check.
What is a Vehicle Identity Check and how does it work?(taken from the VOSA's site) The Vehicle Identity Check (VIC) has been introduced to help reduce car crime. It is intended to deter criminals from disguising stolen cars with the identity of written off ones. When an insurance company ‘writes off’ a car, (Category A, B or C) they notify DVLA and a VIC marker is placed on the DVLA record. DVLA will not issue a Registration Certificate (V5C) or a Vehicle Licence Reminder (V11) to a car with a VIC marker against it. In order to remove the VIC marker the car needs to be inspected by VOSA to confirm its identity. When the car passes the VIC, the marker is removed. The VIC will be carried out by VOSA. It will involve comparing the car against information held by DVLA, such as the vehicle identification number, make, model, colour and engine number. The VIC will also compare the record of previous accident damage with evidence of damage repair as well as checking other components to confirm the age and identity of the car.
Will the VIC confirm that the vehicle is roadworthy? No. The VIC is designed to confirm the identity of the car and does not assess the quality of the repair. You should seek independent expert opinion as to whether the car is roadworthy. If whilst carrying out the check the inspector notices a serious defect which would make the car dangerous to drive, then they will issue a notice which prohibits the car being used. Once it has been made roadworthy the prohibition can be removed.
Note: I understand motorbikes falling into this category do not have to undergo a VIC inspection so will warrant close investigation and clarification of identity.
Category D Repairable salvage. Minimal damage, probably not structural, but insurer does not want to repair, even though it might be economic to do so. Often stolen and recovered after claim has been paid. Or it maybe a vehicle where parts are difficult to obtain so a quick repair is unlikely. Does not need VIC inspection to return to road. Notification will appear in your vehicle history check
Category X has been the subject of a claim but minor or very lightly damaged and required minimal repair work. It would not be recorded with the DVLA so would not appear in any Vehicle Data Check
not recorded - Not an official category, it simply means that there has not been an insurance claim, possibly only had third party insurance and damaged the vehicle themselves or don't know who caused the damaged so can not make a claim or may not even been insured, either way the DVLA will not know in these cases so will not be recorded and will not show on any Vehicle History Check
whoop's, sorry double post
Last edited by tommytwotanks; 03-03-14 at 23:20.
Well that category A is completely wrong. The Aston Workshop can rebuild the cars that are classed as Cat A and they and the factory are the only ones as far as I know who are authorised to do this. Because they are hand built they can be put back on the road.
And Mr Bean's McClaren was a complete write off but has been rebuilt for a million pounds.
one or two maybe, but as a general rule 99% of cat A and B vehicles never return to the road, would you want to buy one if someone had died in it or even sustained life changing injures
when you watch all these emergency 999 programs involving vehicles that have the roof cut off, i wouldnt want to buy it at a later date all repaired, maybe a panel damaged cat c/d car, but nothing worse than that
many years a go i was told if you repair a cat c/d vehicle take plenty of post accident photos before, during and after repair, so that the buyer can see what they are buying and gives them some reassurance that it was as light a damage as you claim
Last edited by tommytwotanks; 03-03-14 at 20:21.
Have a look! https://www.google.co.uk/search?q=ro...w=1242&bih=585
On last week's telly, on Fast and Loud, they rebuilt a totally wrecked Ferrari which was stripped completely to the bare chassis and then welded and straightened back to within 1mm of factory specs. It was valued at just under $1m at the finish.
I bought one. I didn't want to but I was fed up of going around looking at this particular car, so I just bought it.
I learned that a vic test is only an identity check. It is not a guarantee of a good repair.
Yes, that's right as I rebuilt a cat C Clio and took it for the ID check.
Originally Posted by Darkmatter
If a car is Cat C, is that information on the V5, (don't shout at me, I'm only asking,) Winking Smiley.