MTA Automotive
Worcester

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Insurance Category & VIC Information

Insurance Total Loss Categorys Explained


All damaged repairable salvage vehicles in the UK will carry a recorded marker on a HPI report alerting potential new buyers of a total loss claim with an insurance company. Only cars with a category D,C,N or S  can be repaired and returned to the road.


CATEGORY D IS DEFINED BY THE A.B.I. ( ASSOCIATION OF BRITISH INSURERS ) AS "REPAIRABLE" total loss vehicles where repair costs including VAT do not exceed the vehicle’s pre-accident value 


CATEGORY C IS DEFINED BY THE A.B.I. ( ASSOCIATION OF BRITISH INSURERS ) AS "REPAIRABLE"  total loss vehicles where repair costs including VAT exceed the vehicle’s pre-accident value


CATEGORY N IS DEFINED BY THE A.B.I. ( ASSOCIATION OF BRITISH INSURERS ) AS "REPAIRABLE" total loss vehicles where repair costs including VAT do not exceed the vehicle’s pre-accident value and no structural damage was visible at time of assessment 


CATEGORY S IS DEFINED BY THE A.B.I. ( ASSOCIATION OF BRITISH INSURERS ) AS "REPAIRABLE" total loss vehicles where repair costs including VAT do exceed the vehicle’s pre-accident value and structural damage is presumed although not guaranteed at time of assessment 



CATEGORY B & A vehicles can NOT be repaired and must be disposed of legally by an ELV ( End Of Life Vehicle ) disposal company


The extent of damage is not always determined by the insurance category, this is a reference only to the cost of the quote to repair or what could be seen or estimated at the time of assessment 


VIC Checks


The VIC check has now been abolished, so applying for a replacement V5 for category C or S salvage is now a straight forward process by filling in a V62 application form. The new V5 will be issued and will take approx 14 days to arrive the same as a typical HPI clear or cat D or N vehicle


Owning A Damage Repaired Vehicle 


Owning a category D,C, N or S  repaired vehicle will not affect your insurance. These vehicles can be used the same as any other vehicle but with the added benefit of saving you money on the purchase price.


Please feel free to chat to us if you have any concerns in buying a repaired vehicle and we will be more than happy to explain the full process and answer any questions you may have



2012 VW SCIROCCO R-LINE

BEFORE & AFTER


RETAIL / USED DEALER 

£12,000

OUR PRICE 

£8995

2013 MINI COOPER D CONVERTIBLE

BEFORE & AFTER


RETAIL / USED DEALER

£10,000

OUR PRICE

£7995

2006 MINI COOPER PARK LANE
BEFORE & AFTER REPAIR

RETAIL / USED DEALER 
£3495
OUR PRICE
£1995