What happens if my car isn't repairable?

Your car will be a ‘total loss’ or ‘write off’ if we consider the car damage is beyond economic repair, or if it would cost too much to repair versus the value of the car.

We aim to assess and value your car when you first report the incident to us. If this isn't possible, we'll arrange for an engineer to assess your car. Before this happens, you'll need to remove all your personal belongings from your car. We'll then value the car and give you a call to talk you through a settlement payment.

Your settlement is calculated by deducting your policy excess from your car's valuation.

If you wish to update the cover to an alternative car, you can do this online by logging into your Your Account

Any new car added to the policy will be subject to the insurer's standard underwriting and acceptability criteria, this could mean a change in your premium for the rest of the policy year.