Salvage Retention
Salvage retention is offered within our car insurance cover (although it’s dependent on policy) and it doesn’t cost you a penny more. Salvage retention with Just Kampers Insurance allows you to buy back your car should it be deemed uneconomical to repair.*
* Subject to policy selection
How does salvage retention from Just Kampers Insurance work?
Salvage retention allows a vehicle owner to retain their car after it has sustained damage from an accident. This typically occurs once a vehicle has been written-off by an insurer. If the owner chooses to take the car back, the value of the salvage of the car is deducted from the insurance pay out.
Different categories of insurance write– offs mean different things for salvage retention. There are four distinct kinds of write-off categories, and Just Kampers Insurance salvage retention allows you to retain any Category S, N and the usable parts from Category B. We explain each category below.
The different categories of insurance write-off
Prior to 1st October 2017, write off categories were A, B,C,D, with A being the most severe and requiring full scrap, and D being smaller repairs that may not be initially economical.
Now the categories, as set by the ABI Salvage Code, are as follows:
- Category A:
This describes a complete write– off and the vehicle must be crushed. A category A car will never appear on the road again.
- Category B:
The body of the car should be crushed, but parts of the car can be salvageable. Reclaimed parts can be used in other cars, but the car itself will never appear on the road again.
- Category S (formerly C):
The car has suffered structural damage that requires professional repair, but it may appear on the road again in it’s original form. It won’t be able to be put back on the road until repairs are complete.
- Category N (formerly D):
Vehicles in category N haven’t sustained structural damage but instead the damage may be cosmetic or electrical. It will need repairs to make it as new, but some Category N’s can be driven, although this is not common.
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Salvage Retention FAQs
We cover some of the most popular FAQs around salvage retention and how they affect your policy and claims.
How does my agreed value policy affect salvage retention?
If you have chosen an agreed value policy add- on for your car, this will be the value paid out in case of a write– off, but also the one deducted from your pay out in case of salvage retention.
Rather than using market value, Just Kampers Insurance will use your agreed value to calculate the salvage retention cost. Get in touch with our team if you wish to add agreed value to your policy.
How will the category of my car be chosen?
When damage is sustained to a car, a claims handler will oversee the process. They send out an approved engineer to review the car, who looks at the damage and looks at the repair cost of that, before comparing it to the value, either agreed or market, of the scrap of the car.
If you would like to talk to our team about Salvage Retention, please call 01256 444546 or use our web call back service and we will call you back at a time that suits.