Total loss? What happens after my car’s been written off?

If your vehicle’s a total loss (or “write-off”) it means it either can’t be repaired or would cost more to repair than to replace.

Our skilled engineers will take many factors into account when assessing a vehicle including, but not limited to repair costs, structural damage and safety concerns. They’ll also consider other factors such as the market value of your vehicle, any hidden damage caused by the incident and age/mileage. They’ll review all the damage caused by the incident and decide upon the most appropriate and safest outcome.

You’ll usually receive your payment within 3-5 working days.

If your vehicle is a Total Loss and you have the cover on your policy then Enterprise Rent a Car will provide you with a vehicle for a duration of time, in line with your policy terms and conditions.

If you already have a hire car, and you’ve signed a Credit Hire Agreement with Enterprise, please get in touch with them to discuss the return of your vehicle. This is usually within 4-7 days.

If you already have a hire car, provided by us, the hire provider will get in touch with you and let you know when you should return your hire car. This is usually up to 21 days or until 4 days after payment has been given to you; whichever is soonest.

No. If your car’s a total loss (or “written off”) you'll need to put a new car on your LV= car insurance policy first. Our friendly team can arrange this for you if you call them within 60 days. Please call us on: 0330 678 5222

If you don’t contact us your cover will be cancelled; there will not be a refund due and any outstanding annual premium will need to be paid in full. For more information please refer to your policy documents.

Phone lines open:

Monday to Friday: 8am - 8pm
Saturday and bank holidays: 9am - 5pm
Sunday: 10am - 4pm

Calls may be recorded. For Text Phone: dial 18001 first.

Garages and recovery agents charge us for each day they have your vehicle. IAA will store it for us for free. If you're not happy for us to move the vehicle we may not be able to pay any future storage costs.

If your vehicle is at a repair centre you can go and collect your belongings. If this isn’t possible or the vehicle has been collected for salvage, please call IAA directly on 01606 555 496 and ask for the items to be sent to you or arrange to collect them.

The DVLA will automatically process a refund of the vehicle tax for any full remaining months when you complete and return Section 9 of your V5 to them, or after you complete the transfer of ownership online at www.gov.uk/sold-bought-vehicle.

If you’re not at fault for the incident and we’ve obtained full admission of liability from the responsible party's insurers, then you will not have to pay your policy excess.

If we obtain this after we’ve sent you your settlement, we’ll send you a payment for your excess.

No. If your car’s a total loss (or “written off”) you'll need to put a new car on your LV= Car Insurance policy first. Our friendly team can arrange this for you if you call them within 60 days.

Please call: 0330 678 5111

Phone lines open
Monday to Friday: 8am - 8pm
Saturday and bank holidays: 9am - 5pm
Sunday: 10am - 4pm

Calls may be recorded. For Text Phone: dial 18001 first.

Following a total loss claim, we'll record your insurance as a total loss on the Motor Insurers Anti Fraud and Theft Register (MIAFTR). We'll also update the Motor Insurers Database (MID) to show your original car’s no longer insured.

If you want your insurance to continue on another car please call our team within 60 days of the settlement. If you don't, your policy will be cancelled and we won't refund any premium.

Please call: 0330 678 5111

Phone lines open
Monday to Friday: 8am - 8pm
Saturday and bank holidays: 9am - 5pm
Sunday: 10am - 4pm

Calls may be recorded. For Text Phone: dial 18001 first.