Motor
What a total-loss valuation actually means
When an insurer writes off a vehicle it pays market value, and market value is a specific figure you can contest.
Motor
Vehicle cover, excesses, no-claims protection and total-loss valuations.
2 articles · updated August 11, 2026
Motor
The excess is the most under-used lever on a policy
Raising the excess lowers the premium immediately, and most policyholders would never have claimed for that amount anyway.