Keeping Your Total Loss Vehicle on Cover
If your vehicle has been deemed a total loss and you want to keep it on cover then, it needs to be possible for it be repaired to a roadworthy condition.
Your vehicle will be given a write-off category to determine whether it can be repaired or not. If it can be repaired, then the vehicle can be sold back to you by Marshmallow.
Write-off categories
Category | Repairing the vehicle | Using the vehicle |
A | Cannot be repaired | Entire vehicle has to be crushed. |
B | Cannot be repaired | Body shell has to be crushed, but you can salvage other parts from it. |
C | Can be repaired, but it would cost more than the vehicle’s worth | You can use the vehicle again if it’s repaired to a roadworthy condition. |
D | Can be repaired and would cost less than the vehicle’s worth, but other costs (such as transporting your vehicle) take it over the vehicle’s value | You can use the vehicle again if it’s repaired to a roadworthy condition. |
N | Can be repaired following non-structural damage | You can use the vehicle again if it’s repaired to a roadworthy condition. |
S | Can be repaired following structural damage | You can use the vehicle again if it’s repaired to a roadworthy condition. |
Here is an article on the Government's website about scrapping your vehicle and insurance write-offs.
Please speak to our customer support team to discuss further what documents we need if your vehicle is repaired to a roadworthy condition and you want to keep it on cover.