What Is a Car Write-Off Check and Why Is It Important?

If you’re thinking about buying a used car, one of the most important things to check is whether it has ever been written off. A write-off check will reveal if an insurance company has declared the vehicle a total loss due to damage. Without this check, you could end up with a car that has hidden problems, a lower resale value, or even safety risks.

What does it mean when a car is written off?

Insurance companies write off cars when the cost of repairs is higher than the car’s value. This can happen after serious accidents, flood damage, fire damage, or even theft recoveries where the vehicle is found in poor condition.

To understand more about how cars are categorised when written off, check out our insurance write-off categories guide.

Why a write-off check is essential

1. Protect yourself from hidden damage

Some written-off cars are repaired and put back on the road, but that doesn’t always mean they’re safe. A category s vehicle, for example, has had structural damage, and if the repairs weren’t done correctly, it could put you at risk.

2. Avoid insurance headaches

Insurers charge higher premiums for cars that have been written off, and some won’t cover them at all. Running a write-off check in advance helps you avoid any surprises when trying to insure the car.

3. Make sure you're paying the right price

Written-off vehicles are worth less than identical models with a clean history. If a seller is asking full market price for a car with a write-off record, you could be overpaying.

How to check if a car has been written off

Running a check is simple, and it only takes a few minutes. Here’s how:

1. Find the registration number – This can be found on the number plate or in the logbook (V5C document).
2. Use a write-off check – Enter the registration number into the search tool to access the car’s history.
3. Review the results – The report will show:
   • Whether the car has been written off
   • The write-off category (a, b, s, or n)
   • Details of any recorded damage
   • Any past insurance claims

What to do if a car has been written off

If the car has a write-off history, don’t panic just yet! Follow these steps:

• Check the category – category a and category b cars are unsafe and should never be on the road. If it’s a category s or n car, it may have been repaired properly.
• Ask for repair records – If a category s or n car has been repaired, request proof of the work done. A good seller should have documentation.
• Get a mechanic’s opinion – Before buying, have a trusted mechanic inspect the vehicle to check for any lingering damage.
• Negotiate the price – A written-off car should be cheaper than a car without one. Make sure you’re getting a fair deal.

Want a full history check?

Along with a write-off check, a full history check provides even more details, such as:

• Outstanding Finance – Ensures the car isn’t still owned by a finance company.
• Stolen Vehicle Check – Confirms whether the car has ever been reported stolen.
• Mileage Verification – Detects potential mileage tampering.
• MOT History – Helps identify recurring mechanical issues.

Frequently asked questions about write-off checks

Can I drive a car that has been written off?

Only if it’s a category s or n write-off that has been repaired and passes a roadworthiness check. category a and category b vehicles must be scrapped.

Will a write-off affect my insurance?

Yes, insurance premiums are often higher for written-off cars, and some insurers won’t cover them at all. Always check the car’s status before buying.

How can I check if a car has been written off?

Use the write-off check to instantly access the vehicle’s history and insurance records.

Final checklist before buying a written-off car

• Run a write-off check before committing to a purchase.
• Ask for repair documentation if the car was written off and repaired.
• Get a mechanic to inspect the car for any hidden issues.
• Consider the resale value – You may have trouble selling a written-off car in the future.

By following these steps, you can confidently decide whether a written-off car is worth buying. Always check the vehicle’s history to avoid costly surprises down the road.

Need more advice?

Read our complete guide to vehicle history checks for more expert insights.