▸ Finance & Write-Off · UK Network
insuracewriteoff.com is for the buyer who wants the working shown. Every finding names the register it came from and the date it was recorded, so the report can be argued with rather than simply believed. Insurance write-off checks. Search the UK MIAFTR database for Cat A, B, S and N markers on any car. Read on for what each finding means in practice and where a check stops being enough on its own.
Data sourced from DVLA, MIAFTR, contracted stolen-vehicle data and the UK lender register at lookup time.
Typical lookup completes in under one second from the UK.
Built and supported in the UK as part of the consumer side of the network.
A Category S car (structurally damaged but repaired) and a Category N car (non-structural damage repaired) are both legally roadworthy and insurable once repaired and re-registered. The market discounts them, sometimes heavily, but they are not unsafe to buy if the repair is verifiable and a current MOT confirms compliance with construction-and-use standards.
The data shown here is pulled at lookup time from DVLA's vehicle record, the Driver and Vehicle Standards Agency MOT history, the Motor Insurance Anti-Fraud and Theft Register (MIAFTR) for write-offs and contracted UK data providers for stolen-vehicle markers. Finance information is matched against the UK lender register. Nothing is cached for more than 24 hours, so a check run today reflects the record as it stood today rather than a stale snapshot.
Bank transfer to an account in the registered keeper's name, made from the buyer's own account, at the address on the V5C, is the pattern that leaves the clearest evidence trail. Cash at a service station, third-party accounts and 'escrow' services suggested by the seller are the recurring features of vehicle fraud reports.
/ Brand consolidation
insuracewriteoff.com is now part of Expert Car Check — the consolidated UK vehicle-data platform that several of these older brands have joined. The data sources are unchanged: DVLA's vehicle record, DVSA's MOT history, MIAFTR for write-offs, contracted UK data providers for stolen-vehicle markers and the UK lender register for outstanding finance. The team and the support contact are the same. What's changed is that the work that was previously spread across several smaller brands now sits in one place, which keeps response times tight and the underlying registers maintained against current DVLA schemas. Bookmarks and historic links to insuracewriteoff.com continue to resolve here. If you were referred to insuracewriteoff.com by a previous report, broker or print listing, this is the right page — there is no further redirect to chase.
Visit expertcarcheck.com →/ Common questions
Under the Consumer Credit Act, a regulated HP or PCP agreement can usually be voluntarily terminated once half the total amount payable has been paid, with the vehicle returned in fair condition. Damage and excess-mileage charges can still apply.
A: vehicle must be crushed entirely. B: bodyshell destroyed, mechanical parts may be reused. S: structural damage, repaired. N: non-structural damage, repaired. S and N are legally insurable and roadworthy once repaired.
Not necessarily, if the repair is verifiable and a current MOT confirms compliance. The market discounts it (typically 20-40% off equivalent unmarked) and any future insurer will load the premium.
Yes. Cat S and N vehicles typically attract a 20-40% premium loading. The category marker is permanent and declaration is mandatory at every renewal.
/ Also in finance & write-off
Loans, PCP, HP and logbook finance — all in one search.
Spot a cloned car.
Write-off? Find out.
Free finance check, no card.
Free stolen vehicle check for any UK car
Cat A, B, S or N? Find out.
/ Begin
One field. A typical lookup completes in under a second, using the same UK vehicle records relied on by trade buyers and insurers.