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Since its inception in 2002, one of Cartells primary goals was to eradicate the resale of dangerous vehicles.  While some write-offs are repairable, one must always ensure that they are repaired by qualified personnel with suitable parts. A Write-off is a vehicle that has been recorded as written-off or a total loss by an insurance company due to a damage or theft-related insurance claim.
Category A The vehicle must be scrapped and no parts or components can be sold other than for scrap. Category B The vehicle must not be used again but non- structural and roadworthy parts and components may be recovered for use in other vehicles. Category C The vehicle is repairable but the parts and labour would exceed the value of the car. Category D The vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write off.
When you carry out your Irish Cartell Car Check, any vehicle that is or has previously been written off will show up in the ‘Roadworthiness’ fields.
All write off information that Cartell and other car history websites hold are obtained from the NVDF (National Vehicle Driver Files). When Cartell receives updates from the government, they automatically get uploaded to the Cartell database. All write off’s are uploaded from the insurance companies to the government files (NVDF) and are then shown on your Cartell Car Check.
The frequency of which insurance information is uploaded varies from insurer to insurer but its usually no more than two weeks. Cartell ran statistics in 2009 showing that between 8 – 10% of Irish registered vehicles that were previously registered in the UK were actually written off in the UK. Thank you for the information.I will recommend to anyone to check with cartell first before purchasing a car.
Thank you Cartell for saving me from making a very expensive mistake on the first week of the new year. carried out a study of a random sample of 4,479 vehicles imported to Ireland from the UK between 2001 and 2005. The Report found that the Revenue Commissioners, who receive millions of Euros in Vehicle Registration Tax (VRT) annually, are the first to receive write off classification but there is no process in place to act on this data. Cartell is totally independent and wholly owned Irish company which was set up by Jeff and Nicola Aherne in 2006. On January 15, 2014 then Minister for Transport Leo Varadkar announced in the Dail that he was “proposing to introduce a statutory control procedure in relation to written-off vehicles.” The announcement was made in response to a question put to him by Deputy Timmy Dooley (FF) who had expressed concern about “reports that more than 200,000 written-off cars are still being driven”. The introduction of legislation in this area is timely but it must address certain critical aspects.  A category system must be put on a statutory footing and those inspecting vehicles must be a suitably qualified engineer and a member of the Institute of Automotive Engineering Assessors (IAEA) or equivalent. In the year prior to implementation of the End-of-Life Regulations there were 30,621 notified to the Department as either a scrapped destroyed vehicle or a written off vehicle.
All categories of write off should be notified to the Department so that CAT A and CAT B should be tracked to ensure they all go end-of-life.
Also the new legislation must ensure that vehicles which are written off as CAT C and D will have an engineer’s inspection before returning to the road.
An insurer writes off a vehicle when the cost to repair the vehicle to the correct standard using genuine parts is above a certain value relative to the Pre-Accident Value (PAV).  Furthermore if an insurer sends that vehicle off for repair and there are issues, they would have to take responsibility. A damage-related insurance claim means the insurer has decided that the vehicle is uneconomical to repair. Amounts vary but the scrap value rarely covers the cost of recovery and delivery to a scrap yard.
Care must be taken to ensure that they are not critical components with important safety functions.

Perhaps the replacement car hire is too costly or it will take too long for a specialist part to be delivered.
The insurance companies upload their information to these files and Cartell uploads this information onto their database. As this information is supplied by third parties, inaccuracies can occour and uploaded to the NVDF. Unfortunately, this could be a few months after the vehicle was declared a write off as the information cannot be released to the NVDF until the claim has been completely settled. Clearly it is not a problem if a car is imported but if it has less on the odometer 2 years later, that is!
There are over 100,000 write-offs recorded by Irish insurers every year and another 30,000 cases of theft. The vehicle should never reappear on the road, but it can be broken for spare parts plus any residual scrap metal. The study examined the number of vehicles registered for a particular year and the number of alerts imposed by UK insurers against that figure.
However, this data has not made its way from the UK log book to the Irish log book and the impact of this is that Irish drivers are now in the dark about the cars’ true history. In addition, with the write off percentages so high in Ireland, it would seem apparent that there are unscrupulous individuals operating and profiting from the lack of adequate procedures, with the ultimate loser being Irish drivers.
Car history checking is Cartell’s core business which has no distractions or conflicts of interest.
Approximately one third, or 15,000, vehicles are categorised as unfit for repair and these have become known as CAT A and CAT B write offs within the insurance industry. In the year-to-date there have been less notifications of written off or scrapped destroyed vehicles (1,744), but end-of-life (EOL) vehicle notifications stand at 17,413. Currently are aware of Category B write offs making their way back onto the road but legislation should lock those down. You should only proceed with the purchase once you are satisfied that the repairs have been carried out to a high standard and that the car is roadworthy. Category A is severely damaged, total burnout or flood damage with no serviceable parts, or already a stripped out shell.
A Category B will have been damaged beyond economical repair, usually with major structural damage. Usually applies to vehicles with significant damage and where the cost of repairs exceeds the book value. In the first section, ‘Vehicle details’, the roadworthiness field will show the current state of the vehicle be it ‘current’, ‘written off by insurer’ or ’scrapped vehicle destroyed’.
If the report shows ‘Damage – Yes’ then the information on that write off will show at the end of the report. If you still have concerns about a vehicle that is not showing up as a write off, then Cartell would always recommend an engineers inspection. Category C and D write off’s will need an engineers inspection that needs to be approved by the revenue before the vehicle returns to the road. Category C and D can be sold on as long as you disclose to the new owner that the vehicle has been previously written off. You should always check the full UK history if the vehicle was imported as the vehicle may be perfectly repaired, but it has write off history which devalues the vehicle and you dont want to pay more than you should.
In the UK a vehicle has to pass an inspection costing ?36 (2007 price) to be re-registered as damaged repaired. If the average percentage of write offs set out in our sample is applied to this figure, then we estimate that over the last 12 twelve years, 22,834 written off vehicles have been imported from the UK and have potentially been running on Irish roads”.

It is a tool to help Irish consumers purchase safer vehicles secure in the knowledge that it has been independently checked out.
It is supposed to be best practice for insurers to notify the Department to have those “locked down” to prevent any further activity on them, but, at present, this is purely voluntary. A quick look at the age profile of those EOL vehicles shows many are less than 5 years old, and a lot would have been involved in accidents and have been inspected and written off as CAT A and CAT B. The only way to be sure about the repair standard is to get a qualified engineer to inspect the vehicle. In the UK the DVLA will require “Notification of Destruction” but parts can be removed and sold on.
The Motor Insurers Anti-Fraud and Theft Register (MIAFTR) defines Cat C as repairable total loss vehicles where repair costs including VAT exceed the vehicle’s pre-accident value (PAV). The Motor Insurers Anti-Fraud and Theft Register (MIAFTR) defines Cat D as repairable total loss vehicles where repair costs including VAT do nor exceed the vehicle’s pre-accident value (PAV).
Cartell is working with insurance companies to improve this and to implement the category system like we have on our UK checks. Bear in mind that a write off that returns to the road will be worth less when you go to re-sell the vehicle. In Ireland Motorcheck offers a pre-purchase inspection that examines a used car under 123 seperate headings. In reality not all notifications are taking place, and, it’s unclear how many are notified instead under the remit of the End-of-Life Regulations: rules which ensure vehicles which have reached their end-of-service life are disposed of in an environmentally friendly manner – paid for partly by manufacturers. It sparked an investigation involving The Dept of Transport including, The Vehicle Registration Unit, Revenue , The Road Safety Authority (RSA) and An Gardai Siochana. In Ireland this vehicle would have to be disposed of in an authorised treatment facility and have a death certificate issued and the vehicle then becomes End of Life (ELV). Its is a very minimal amout that are uploaded with inaccuracys so the write off data is generally very accurate.
If you sell a vehicle that was written off and you did not disclose it to the new owner, then you are liable and may be prosecuted for disception. The result of which ended in over 1,300 people being notified of their vehicles being unfit for Irish Roads. A theft-related insurance claim indicates that the vehicle has been stolen and an insurance company has paid out a claim on it, leaving them as the legal owner.
Some insurance companies will let you know the write off category if you investigate further. A breakdown in communication between the Insurance Industry and the Department of Transport meant that Salavage dealers were left to notify the Government of write offs. Although write-offs can legitimately be allowed back on the road, almost half are beyond repair or structurally compromised. To combat this the Irish Insurers agreed tosupply all their information on Total Loss Write Offs (TWO’s) to the Department of Transport.
Furthermore a “lock down” mechanism now exists to capture these vehicles and prevent them from being taxed and or resold. When a Cartell Car Check is carried out, we reference this file and bring you the details that have been uploaded by the insurers.

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07.05.2014 admin

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