Motorcycle Insurance Write-Off Categories

insurance accident damaged motorcyclesCategory A Insurance Write Off – the vehicle must be scrapped and no parts or components can be sold other than for scrap.

Category B Insurance Write Off – the vehicle must not be used again but non-structural and roadworthy parts and components may be recovered and sold for use in other vehicles.

Category C Insurance Write Off – the vehicle is repairable but the parts and labour would exceed the value of the car.

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.

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

Vehicles categorised as A, B or C require a VIC test (performed by VOSA) before the DVLA will issue a new registration document. A VIC test is not a roadworthy test but a check of the vehicle’s identity, to ensure the genuine vehicle is returned to the road. This will then be noted on the V5C. See www.dvla.gov.uk for more information on VIC testing. If you keep a car that was written off then you must tell your insurance company otherwise your insurance policy may be invalidated.