What happens if my car can’t be fixed?

We always do our best to repair your car after an accident. 

But sometimes, the damage is so bad that either:

• It's not possible to repair it to a safe standard
• The repair work would cost more than what the car's worth 

And so we're left with no choice but to treat it as a total loss or write-off. 

If your car is deemed a total loss, we'll either:

• Pay you your car's market value at the time of the accident 
• Replace your car with a new one (if you bought it new and it's less than a year old)

To determine your car's market value fairly and accurately, we use highly-skilled motor engineers and several independent guides. This includes Glass's Guide, the UK’s leading car valuation publication. We consider all factors, including your car's mileage, service history, modifications and pre-accident condition.