| Category D
The least damage suffered of the four categories e.g. vehicles replaced under 'new for old' schemes, vehicles written-off to minimise hire charges.
The vehicle can be safely and economically repaired either by the insurer / motor trade or by an enthusiast using cheaper parts and reduced labour costs. The PAV (Pre Accident Value) does not exceed £2,000 (£1,000 for motorcycles), or for more expensive vehicles, where the engineer's assessed repair costs do not exceed the PAV.
Category C
Substantial damage, but repairable by an repairer or enthusiast.
The vehicle can be safely and economically repaired either by the insurer / motor trade or by an enthusiast using cheaper parts and reduced labour costs. The PAV (Pre Accident Value) exceeds £2,000 (£1,000 for motorcycles) and the engineer's assessed repair costs exceed the PAV.
Category B
Heavy damage e.g. bent chassis
The vehicle cannot be safely and economically repaired either by the insurer / motor trade or by an enthusiast using cheaper parts and reduced labour costs. However, the vehicle contains economically salvageable parts.
Category A
A 'total loss' e.g. burn-out. The only value is the scrap metal.
The vehicle cannot be safely and economically repaired either by the insurer / motor trade or by an enthusiast using cheaper parts and reduced labour costs and there are no economically salvageable parts.  |