Is my car likely to be a write off?

My 6 year old 1.4 TSI Golf Estate was damaged by a coach while parked. It has just gone away to be assessed. The damage seems superficial, but it involves multiple panels starting at the bumper and rear lights, the rear side panel around the fuel filler and above the wheel, onto the rear drivers side door with some minor scratches on the drivers door.

The car has no outstanding finance and is driveable, but I am concerned that with the number of panels damaged and the age, plus the cost of parts and labour that it may be a write off. If it is I am insure what the valuation from the insurance company will be and I will likely have to take out some additional finance to get a replacement which due to the high interest rates may be financially difficult. The mechanic that collected it couldn't give me an answer but didn't appear massively confident. I appreciate that without seeing it you may not know more than me, but any advice would be very helpful.

Asked on 1 November 2023 by duncan9474

Answered by David Ross
It is difficult to judge on whether a car will be written off even with access to pictures, as it depends on whether there is structural or mechanical damage, but also where your insurance company will set the boundary for writing the car off, which could be anywhere between 50% and 70% of the vehicle's value. Based on the information you provided we would estimate your car to be worth at least £10,000 pre-accident.

If your insurance company decides to write the vehicle off, as long as it is not declared a category A or B you may have the option to buy the vehicle back and pay for the repairs yourself, which may mean you can avoid the need to obtain finance for a replacement.
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