My van was written off for a slight scuff to the wheelarch - is this right?

I took my van to have estimate after slight scuff to rear wheel, arch and bumper. They gave the insurers and estimate of £3800 (this included the van be sanitized at £40). The insurers wrote my van off giving it a non structural Cat N decision.

I later asked the body shop how much to do the body repairs? They told me £700 to do the same work. What is going on?

Asked on 22 February 2024 by caroline

Answered by Craig Cheetham
The insurance industry has certain fixed standards for repairs so the likelihood is that the quote from the bodyshop includes replacement of the entire rear quarter panel - it's not uncommon for a non-insurance quotation to be cheaper, though we would prefer not to comment on the ethical element of this. If you haven't already accepted the insurer's decision you have the right to get the van repaired anywhere, so you could get them to cover the cost of repair without categorisation. If the Category N marker has already been applied then the best option for you would be to negotiate the right to buy the van back from the insurer out of your settlement and then get it repaired yourself at the lower price, but bear in mind that it will always carry a Category N marker that will affect its resale value.
Similar questions
My daughter's car was hit by another car while parked in the street outside my house. The other driver was apologetic and admitted it was his fault so we exchanged details as my daughter was not in. The...
I was recently hit from the rear in my van and the engineer deemed it a Cat S write off. I have since bought the van back as all it needs is some minor metal work, a rear bumper and back doors. It says...
My insurers want to write off my damaged car which is repairable. What are my options?

Value my van

Save £75 on Warranty using code HJ75

with MotorEasy

Get a warranty quote

Save 12% on GAP Insurance

Use HJ21 to save on an ALA policy

See offer