number plates and car write-off
A friend of mine was unfortunate enough to be in an accident recently. Luckily, she walked away relatively unhurt. But the damage to her car was significant enough for the insurance company to declare it a write-off.
She had a personalised number plate on the car, and very nearly lost it. Luckily, her insurance company were very helpful. A quick alert from me, followed by a call to the insurance company – and everything was in hand. Close though.
Car insurance companies deal with 1000’s claims, so are unlikely to notice that you have a private number plate on your car. So they will just follow their normal process of either selling the car on to a salvage company, or sending it to a scrapyard. As the number plate belongs to the car, once it’s sold on the number plate belongs to the new owner.
What do I do about my personalised number plate?
So what happens if your car is written off?
If your car insurance company offers a total loss payment (in other words declares your car a write-off), you are effectively ’selling the car’ to your insurance company once you’ve accepted the payment. Before you do this, you need to transfer the personalised number plate to another car, or retain the number plate.
When you contact the DVLA, you’ll need to send them:
- letter of no interest from the car insurance company
- engineer’s report (which confirms the car’s details).
You’ll also need to make sure the insurance company makes the car available should the DVLA decide to inspect it.
See more details on what to do with a personalised number plate when your car is written off.
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