New write-off categories to become introduced from October 1 will stop YOU buying a dangerous, death trap motor


NEW, clearer write-off rules will be introduced on October 1 to prevent deathtrap motors for sale to unsuspecting buyers.

The potential dangerous crash-damaged good reputation for a car will be easier for drivers to understand thanks to the new write-off categories.

The changes enter into force from October 1 2021 with old ratings eliminated.

A, B, S and N categories will replace the old A, B, C and D ratings and focus on the condition rather than repairs.

Previously, classifieds would show bargains on Cat C and Cat D motors however it left motorists rolling the dice on the purchase.

The new Cat S and Cat N will make it much clearer on whether you should make the leap.

A car listed as S may have sustained damage to the chassis and wasn't repaired by the insurer or owner.

A car listed as N will have non-structural damage – even though this still could be steering and suspension – and it is likely a safer bet.

There will be a period where all categories come in classifieds as the older cars can be purchased on or scrapped.

But any cars wiped off – and listed for sale – after October 1 will be categorised under the new ratings.

It means when buying an electric motor, it'll be simpler to know if an automobile having a write-off history is safe to buy.

The new rules reflect the elevated cost and difficulty in safely repairing damaged hi-tech cars.

Insurers and the body shops have struggled recently with repairing complex and dear electronic systems.

It's the very first time the write-off salvage code has been reviewed in ten years and follows 2 yrs of development by insurers, manufacturers, police and government.

And individuals accountable for categorising vehicles into these write-off categories will need to pass the absolute minimum qualification standard under the new rules, too.

Ben Howarth, senior policy advisor for motor and liability at the Association of British Insurers (ABI) – which co-ordinates the code – said: "Not all insurance write-offs have to be removed the road forever and buying one of these simple cars can be a fantastic way to look for a bargain.

"The brand new Salvage Code should mean there is better information for anyone considering a second hand car, which means you understand what questions to ask and may buy with confidence.

"While these changes work their way through the system, be sure you also execute other background checks on any used car you're thinking of getting."

The car industry has welcomed the alterations, too, but wants government to go one step further to protect drivers.

Mike Hawes, leader of the Society of Motor Manufacturers and Traders (SMMT) said: "We welcome the revisions towards the Code, as they are an optimistic and significant step by industry, insurers and governing bodies to improve safety on our roads and ensure there is clarity on whether an accident-damaged vehicle is fit for repair or ought to be scrapped."