Insurance Write-Offs

It essential that you discuss your personalised registration number with your insurers at the outset. You will need to ensure they are aware that in the event of a write-off, the vehicle must be made available for inspection if you are to transfer or retain the number. If your insurers settle your claim and sell the vehicle as salvage before the number is properly transferred or retained, the mark will pass with the vehicle to the new keeper and you will lose your entitlement. You will also lose entitlement if the vehicle is sent for scrapping before the number is transferred or retained. Once you have successfully transferred or retained your registration number from the written off vehicle, let your insurers know about the change of number and send them the amended V5C registration document. If your insurers intend to sell the write-off as salvage, the vehicle must display the replacement registration number.

A vehicle is 'written off' when it is judged by insurers to be beyond economical repair. In such a case, the insurance company agrees a pay-out with the insured, and legal ownership of the vehicle then passes to the insurance company. The company is then free to sell the vehicle as salvage and the purchaser may repair it and put it back on the road.

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