NoMargin 11 Posted September 28, 2017 Important changes to the ABI Codes The rules governing the way the UK salvage industry works are changing. Many of these changes will be 'behind the scenes' but the most obvious for our salvage customers will be the salvage categories. These changes are happening because, following the end of VIC in 2015 and because of concerns about new vehicle materials and technology, the ABI (Association of British Insurers) updated its Salvage Code of Practice - the rules by which the UK salvage industry works. These new changes start to come into effect on 1st October 2017. In preperation for this change, we have introduced both category 'N' and 'S' in the filter menus on the vehicle list page. The most visible change for salvage buyers will be to the 'repairable' categories: * OUT go repairable categories C and D * IN come repairable categories S and N The reason for this is that the new salvage categories S and N will reflect the type of damage to the vehicle, making it more transparent for customers. The non-repairable categories A and B remain. At present, whether repairable salvage is categorised as C or D depends on the cost of repair compared to the pre-accident value. This will no longer be the case. Under the new system the category will simply depend on the type of damage, without any comparison of the cost and value. Salvage with damage to the structural parts (realignment to original dimensions or replacement of frame or chassis) of the vehicle will now be category S (S for Structural). As in the case of category C currently, insurers will destroy the V5C registration document and buyers will need to apply to DVLA for a replacement V5C. This will continue to be FREE OF CHARGE. The replaced V5C issued by DVLA WILL be annotated (as Category C currently is) but the wording will change, reflecting the new category definition, to: 'This vehicle has been salvaged because of structural damage but has been declared suitable for repair following a technical evaluation'. Salvage that does not have any damage to structural parts will now be classed as Category N (N for Non-structural). As currently the case with Category D vehicles, the insurer does not have to destroy the V5C and should pass it on to the salvage agent. However, if the V5C or the green slip Is not available, an application to DVLA for a replacement V5C will be at the standard rate (currently £25). The reissued V5C will NOT be annotated. To read more information about this change, you can download the Salvage Code of Practice [PDF] from the ABI website. This is good news if you ever get a p/x salvage repaired or buy one Share this post Link to post Share on other sites
BHM 994 Posted September 28, 2017 Does that mean they are just swapping 2 letters for 2 different letters? Share this post Link to post Share on other sites
umesh 336 Posted September 29, 2017 Sheer Madness !! More complications and sadly many more innocent consumers will get caught out ! Share this post Link to post Share on other sites
It's me 615 Posted September 29, 2017 5 hours ago, tradex said: Yup. Someone got paid a fortune for that idea yes they had meetings on meetings to sort it out or was that the nhs Share this post Link to post Share on other sites
NoMargin 11 Posted September 29, 2017 15 hours ago, BHM said: Does that mean they are just swapping 2 letters for 2 different letters? No cat C/D cars could have had any amount of structural damage to the chassis, frame. People sometimes automatically think that all cat c cars had structural damage, and all cat D cars had none, not true. There are cat D cars that have been bent so badly they should never be repaired and there are cat c cars that have light deep scratches on the side. It will put to bed all those dodgy salvage dealers that pull a cat D car straight then sell the same car as salvage claiming it had no chassis damage. So basically when it has an S there's no hiding from the fact the car has had structural damage. Share this post Link to post Share on other sites
have a word with the wife 299 Posted September 29, 2017 9 hours ago, NoMargin said: No cat C/D cars could have had any amount of structural damage to the chassis, frame. People sometimes automatically think that all cat c cars had structural damage, and all cat D cars had none, not true. There are cat D cars that have been bent so badly they should never be repaired and there are cat c cars that have light deep scratches on the side. It will put to bed all those dodgy salvage dealers that pull a cat D car straight then sell the same car as salvage claiming it had no chassis damage. So basically when it has an S there's no hiding from the fact the car has had structural damage. correct On 28/09/2017 at 9:19 PM, NoMargin said: Salvage with damage to the structural parts (realignment to original dimensions or replacement of frame or chassis) of the vehicle will now be category S (S for Structural). is not correct ! this is VERY misleading its actually = has sustained damage to any part of the structural frame or chassis and the insurer/ self-insured owner has decided not to repair the vehicle ! so whats the value of a vehicle stating structual damage ? and how much will your insurance increase when the companies [insurance] dont get the returns [ high] expected when they cat s a vehicle ? 384,000 vehicles were written off last year, amounting to over 1,000 every day, or one every 90 seconds Share this post Link to post Share on other sites
NoMargin 11 Posted September 29, 2017 6 minutes ago, have a word with the wife said: correct is not correct ! this is VERY misleading its actually = has sustained damage to any part of the structural frame or chassis and the insurer/ self-insured owner has decided not to repair the vehicle ! so whats the value of a vehicle stating structual damage ? and how much will your insurance increase when the companies [insurance] dont get the returns [ high] expected when they cat s a vehicle ? 384,000 vehicles were written off last year, amounting to over 1,000 every day, or one every 90 seconds Misleading just as much as when a car hasn't had any structural damage and the insurer decides not to repair. There would be no value in a repaired cat s car nows, but with these salvage auction and overseas buyers, and the cat N cars that will fetch much higher money now, I think insurers will be rubbing their hands with glee! Share this post Link to post Share on other sites
have a word with the wife 299 Posted October 2, 2017 On 29/09/2017 at 0:29 AM, NoMargin said: Misleading just as much as when a car hasn't had any structural damage and the insurer decides not to repair. There would be no value in a repaired cat s car nows, but with these salvage auction and overseas buyers, and the cat N cars that will fetch much higher money now, I think insurers will be rubbing their hands with glee! cant find the link but a major salvage dealer pulled out 100 cat d vehicles from there compound in a trial, reinspecting them with regard to looking at the new salvage codes and found that 70% of cat d would be "s" and reported to insurance companies there findings before this new legislation, the salvage company quite rightly said to these companies they cant quote values on cat s [ obviously not as much as cat d ] the market will value it itself in the coming months, it was a warning Share this post Link to post Share on other sites
NoMargin 11 Posted October 3, 2017 10 hours ago, have a word with the wife said: cant find the link but a major salvage dealer pulled out 100 cat d vehicles from there compound in a trial, reinspecting them with regard to looking at the new salvage codes and found that 70% of cat d would be "s" and reported to insurance companies there findings before this new legislation, the salvage company quite rightly said to these companies they cant quote values on cat s [ obviously not as much as cat d ] the market will value it itself in the coming months, it was a warning Would like to see if they done the same with their cat c cars, because I'm sure more than half of those cat c cars would end up as 'N', but then they will be the older cars. Salvage online companies can no longer hide the fact a cat d car has substantial structural damage, so think its a good think all in all, for consumers! Share this post Link to post Share on other sites
BHM 994 Posted October 3, 2017 I think I'll leave the write-offs for others, as I've always done. They've never seemed worth the hassle to me when there are enough straight cars out there. The only time I've sold plonkers is when I've had a couple as p/xs and God Give Me Strength!!! The number of stupid questions by fussy bastards wanting something for nowt was incredible. I suspect the main market for them is Gumtree, Facebook etc. - UNDECLARED!! Share this post Link to post Share on other sites
metcars 397 Posted February 8, 2018 Sorry to drag this old thread up but after a recent conversation with a guy about his car, and as I understand it, the new rules state that a 'Cat N stuctural' has a note on the V5 whereas a 'Cat N non structural' does not. But, they are 'both' still recorded as salvage/writeoffs all the same, and a Cat N non stuctural is still flagged as Cat N? Share this post Link to post Share on other sites
andymc1973 199 Posted February 8, 2018 yup its really simplified things Share this post Link to post Share on other sites
David Ayers 171 Posted February 8, 2018 31 minutes ago, met said: the new rules state that a 'Cat N stuctural Shouldn't that be Cat S structural? Share this post Link to post Share on other sites
metcars 397 Posted February 8, 2018 1 hour ago, David Ayers said: Shouldn't that be Cat S structural? I have no idea? Apparently one gets shown on the log book and the other doesn't but both are recorded as write offs anyway? Share this post Link to post Share on other sites
Arfur Dealy 823 Posted February 8, 2018 Cat N = Non Structural Cat S = Structural 1 Share this post Link to post Share on other sites
metcars 397 Posted February 8, 2018 22 minutes ago, Arfur Dealy said: Cat N = Non Structural Cat S = Structural OK, so now we've cleared that up, apparently one of them is 'noted' on the V5 the other is not. What is not clear is whether they are both still classified as 'right offs', otherwise what is the point of having two different categories? Share this post Link to post Share on other sites
Arfur Dealy 823 Posted February 8, 2018 Both categories S & N are write offs, for whatever reason chosen by the insurance company. S = Structural is stated on the V5, non structural N isn't...Just like C & D. Share this post Link to post Share on other sites
NoMargin 11 Posted February 9, 2018 6 hours ago, met said: OK, so now we've cleared that up, apparently one of them is 'noted' on the V5 the other is not. What is not clear is whether they are both still classified as 'right offs', otherwise what is the point of having two different categories? They use to put cat c cars on the logbook but not cat d's... But I get what your saying met, they should just put both on logbook, as they are both write offs Share this post Link to post Share on other sites
metcars 397 Posted February 9, 2018 5 hours ago, NoMargin said: They use to put cat c cars on the logbook but not cat d's... But I get what your saying met, they should just put both on logbook, as they are both write offs I can't see why Cat N are not noted in the V5. Because same as Cat S, as soon as it goes on AT it will show up as a write off? Share this post Link to post Share on other sites
NoMargin 11 Posted February 10, 2018 Well this is the DVLA we're talking about here. :)) On 09/02/2018 at 8:03 AM, met said: I can't see why Cat N are not noted in the V5. Because same as Cat S, as soon as it goes on AT it will show up as a write off? Share this post Link to post Share on other sites
vloot 0 Posted January 31, 2020 (edited) On 9/28/2017 at 9:19 PM, NoMargin said: As in the case of category C currently, insurers will destroy the V5C registration document and buyers will need to apply to DVLA for a replacement V5C. This will continue to be FREE OF CHARGE. That's what you would think if you look at the .gov website. However I had a Cat S recently and the insurer refused to accept the V5C and DVLA said it didn't want to issue a new V5C! Edited January 31, 2020 by vloot grammar Share this post Link to post Share on other sites
MrC 142 Posted January 31, 2020 Only last week my Mum decided she didnt like the bumper on her 17k mile 2010 KA Zetec, I kid you not the OSF bumper has scuffs and a small crack but they wrote it off. Shes 85 and actually decided to hang up her driving gloves and take the £3900.. Salvage price was £1130..... well it seemed rude not to. Plenty of preloved in colour genuine bumpers on ebay for £150 ish and a mornings work should sort it. Never ceases to fail me what insurance companies deem as a write off 1 Share this post Link to post Share on other sites
Casper 272 Posted February 1, 2020 1 hour ago, MrC said: Only last week my Mum decided she didnt like the bumper on her 17k mile 2010 KA Zetec, I kid you not the OSF bumper has scuffs and a small crack but they wrote it off. Shes 85 and actually decided to hang up her driving gloves and take the £3900.. Salvage price was £1130..... well it seemed rude not to. Plenty of preloved in colour genuine bumpers on ebay for £150 ish and a mornings work should sort it. Never ceases to fail me what insurance companies deem as a write off A turn is a turn got to be done Share this post Link to post Share on other sites