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Could you please explain what insurance registered means. I answered no on your application form

What Does Insurance Registered Mean?
If a car has been in an accident and has suffered damage to a level that the insurer considers the vehicle to be uneconomical to repair (usually around 50% of the vehicles current value) - then it will be classes as an insurance write off and registered on the insurance database.


There are different insurance write off categories as below -

If your car is written off, it will fall into one of four categories: A, B, C or D.
 

Category A

​Category A is the most serious category and means the car is only fit for scrap and should never been driven again.
 

Category B

If a vehicle has been classified as a category B write-off, it means the vehicle has suffered extensive damage and although it should never be driven on the road again, some of the parts can be salvaged.
 

Category C

A category C classification is given to a vehicle that has been badly damaged and classed as too expensive for the insurer to have repaired as it would exceed the current market value of the car, but could in theory still be repaired.
 

Category D

Category D is a write-off are where the vehicle has been damaged (usually less than a cat C) and could be repaired but the costs are deemed too high relative to the vehicle’s value. A check is required from the DVSA for the car to be taxable, and thus roadworthy.
 


The Association of British Insurers’ Salvage Code dictates that Category A and Category B cars are broken up for spares and the body shells crushed.
 

​A dealer might ask for the vehicles chassis number so they can carry out a car data check (HPI) to check if the vehicle has been classified as an insurance write-off.