This depends on the category of write-off.
Category A or B write-offs:
Cat A: Scrap only (i.e. with no economically salvageable parts and which is of value only for scrap metal, e.g. total burnouts.
Cat B: Heavy damage, chassis bent. Can be used for spare parts if economically viable. Category A or B write-offs must never, by law, reappear on the road which means that if your vehicle is classified as a Cat A or Cat B write-off, we won't be able to insure you.
Category S or N write-offs:
Cat S: Vehicles which are repairable but the repair costs exceed the vehicle's pre-accident value (PAV).
Cat N: All other repairable vehicles Category S or N write-offs can be insured, providing that an MOT and Engineer's Report are provided. The engineer's report needs to state that the vehicle is road-worthy.