What happens if my car is written off while it is still on finance?

Help & Advice

If your car is written off while you’re still on finance, there are a couple of things you can consider...

When you’ve received confirmation from your insurance company that the car is a write-off, check what category it has been classified in to. It may be possible that the classification means it could be made roadworthy again so can be bought back from the insurers for you to pay for the repairs independently and get road worthy again.

When your insurance pays out for the write-off, contact your finance company. They may be happy for you to use the money you’ve received to buy another car and you’ll just continue to repay the original car finance agreement as you had been doing.

You can read more about what to do when your car is written off while on finance in our blog here.

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