MTA Automotive

Worcester

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.