How Do I Challenge A Car Insurance Write-Off?

Jason Barker • June 30, 2023

Following an accident or other damage, your insurance company may decide that your vehicle is a ‘write-off’. In some circumstances, you do not have to accept this decision and are entitled to challenge your insurer.

If you are involved in an accident that was your fault and the cost of repair goes above 60-70% of the vehicle’s value, most insurers will write the vehicle off, stating that the vehicle is an uneconomical repair. This is because you are making a claim within the terms of your insurance policy, and most policies state a maximum repair cost of 60-70%.

However, if you are involved in an accident that wasn’t your fault (non-fault), we would advise claiming directly via the other party’s insurance. In most cases, you have a legal right to have the vehicle repaired up to 100% of its value, and at a repair centre of your choice – without penalties, or having to pay your excess.

There are occasions where the vehicle may be written off, regardless of cost. This may happen when the vehicle is categorised as ‘A’ or ‘B’. Please see our blog ‘What should I do if my vehicle is written off by my insurer?’ to find out how write-offs are categorised.

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A New Chapter Is Coming to CARS of Grimsby

By Ebony Morgan • July 22, 2026

For many years, CARS of Grimsby has supported motorists with trusted accident repair and vehicle care services. As a family owned and run business, we have always believed that great service comes down to doing the job to the best of our ability, communicating honestly and treating every customer as an individual. Those values have helped us build strong relationships with motorists, insurers and businesses, and they remain just as important to us today. Now, we are preparing to begin an exciting new chapter. Decades of Accident Repair Experience in Grimsby CARS of Grimsby is best known as an established and multi-award-winning accident repair centre, helping customers get back on the road following everything from minor bumps to more significant damage. That work has given our team a detailed and thorough understanding of vehicles and their condition. When you spend years repairing bodywork, checking panel alignment and assessing previous damage, you learn to notice the details that may not always be obvious at first glance. You also learn how important quality, safety and honesty are to motorists. Our team has developed this knowledge through experience, ongoing training and working with a wide range of vehicles over many years. It is experience we are proud of, and it will remain at the heart of the next chapter of CARS of Grimsby.

Coffee with CARS is always a good idea!

By Ebony Barker • July 1, 2026

Had an accident and not sure what happens next? You’re not alone. At CARS of Grimsby, our friendly team are on hand to offer honest advice and guidance throughout the insurance claims process. We’ll help you understand your options, and explain what you do (and don’t) have to do after an accident.