If your car has been:

  • stolen and not recovered
  • written-off (we call this a total loss).

we value your car by finding out how much it was worth before the theft or accident happened.

We start by looking at Glass’s guide.

This guide price is then adjusted to reflect your individual car’s:

  • age
  • mileage
  • fitted optional extras
  • pre-accident condition.

We do not take account of the cost of any servicing or maintenance that the car may have had.

Adverts are not a good starting point for your car’s value. Small differences in mileage and model can make a big difference to the car’s value. We'll be able to tell your car's exact make, model and trim from your registration number.

We may make further deductions if your car has been written off before.

All deductions are:

  • fully documented
  • supported by images from the repairer or salvage agent.

When you make a claim, we’ll discuss your car’s valuation with you to make sure we have all the right details.

Our process is in line with the Financial Ombudsman Service guidelines.

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