Why have you adjusted my vehicle's value?

When we value a vehicle that’s been written off, we look at the vehicle’s history. If we find information that lowers its market value (the price we think your vehicle should have sold for right before the incident happened), we may adjust your settlement amount.

If we need to make any adjustments to your settlement amount, we’ll let you know. To find out more about the adjustments that could affect your settlement, please take a look at the explanations below. 

Previous write-off 

If your vehicle has previously been in an accident where it was written off, it will be recorded against the vehicle history. Written off vehicles can sometimes be repaired and put back on the road and this may have happened before you purchased the vehicle. 

A vehicle that has been written off in the past has a lower market value than if it hadn’t been. If we find your vehicle was written off in the past then we'll adjust your vehicle's value to reflect this. Unfortunately, this applies even if you bought the vehicle without knowing about its history.

No valid MOT

A vehicle with no valid MOT has a lower market value. If we find your vehicle had no MOT at the time of the accident then we'll adjust your vehicle's value to reflect this.

Pre-accident damage

The value we give your vehicle reflects the condition of the vehicle at the time of the accident. A vehicle with pre-accident damage has a lower market value. 

If we find your vehicle had damage from before the accident took place then we'll adjust your vehicle's value to reflect this. This pre-accident damage could include scuffs and scrapes (either interior or exterior) or more major damage.