Can I challenge my write-off valuation?

If one is involved in a no-fault crash, where the car is written off and where the insurance company offer a cash amount that is well below the value of the vehicle, does one have to take the cash offer or can they insist on buying the same make and model car from a reputable car dealer?

Asked on 12 January 2024 by Christopher (Chris) Neye

Answered by David Ross

You can challenge the amount offered to you by the insurance company by providing examples of similar cars for sale or pay for an independent mechanic's report, but you may need to balance the cost of this against how much you think the car is undervalued by. Insurers generally do not offer to replace the vehicle.

Tags: insurance write offs valuations

Similar questions

My car is a write-off - how much should I get from my insurance company?

I have recently learned that my car is a write off that is after I had an accident few days ago. My question is how much should i get from my insurance company. My car is a Hyundai i20 and I bought it...

Why is there a big difference between purchase price and valuations?

I am currently looking to purchase a small automatic petrol powered car with low insurance for my daughter, however whenever I go into the insurance comparison websites I am discovering that there is a...

My car was written off as a Cat N - do I have to get it re-tested for an MoT?

I know insurers require a new MoT for a vehicle that was a Cat N write off. They have given me 14 days to obtain one but is it a legal requirement? Could I still drive on the existing MoT? Also if it fails...