Good to know: We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender, bank or insurer. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free if the firm is still trading. For eligible failed firms, you can refer a claim to the Financial Services Compensation Scheme for free.
If you had a car written off by your insurance company, Allegiant is here to help. Sometimes, people are not given enough money when their vehicle is written off. That’s where we come in – to help you get the fair amount you should be paid.
Our investigations show that insurers often provide initial settlement offers that are below the vehicle’s market value, with the expectation that they will only increase the offer if the customer objects or files a complaint. This method results in unequal outcomes for customers, depending heavily on their willingness to dispute the initial assessment.
A vehicle write-off, or total loss, means your car is so damaged that it would cost more to fix it than it’s worth. Insurance companies then say the car is a write-off and offer money based on what the car was worth before the accident or damage.
Between 2019 and 2024, more than 3 million cars were written off in the UK. That’s a lot! Some years had over 500,000 cars written off. But many people don’t get the full value of their car in their insurance payout.
| Year | Cars Written Off |
|---|---|
| 2019 | 556,418 |
| 2020 | 414,593 |
| 2021 | 449,737 |
| 2022 | 524,321 |
| 2023 | 559,870 |
| 2024 | 562,185 |
| Total | 3,067,124 |
Insurance companies sometimes offer less money than they should when your car is a total loss. That’s not fair. If you think your write-off payment was too low, Allegiant can help you make a claim and fight for the full amount you should have got.
The rules say insurance companies should pay you what your car was worth just before the accident. But they sometimes use prices that are too low. Even the Financial Conduct Authority (FCA) told insurance companies they must be fair and not try to save money by paying too little. We align with regulator concerns that trusting the insurer’s initial valuation can disadvantage customers significantly.
“When making an insurance claim, people shouldn’t need to question whether they are being offered the right amount for their written off car or other goods that they need to replace. Insurance firms should offer settlements at the fair market value. This is especially important now as people struggling with the cost of living will be hit in the pocket at precisely the time they can ill afford it. ” – FCA[1]
If you’re looking to start a vehicle write-off claim, it’s important to understand the time limit rules set by the Financial Conduct Authority (FCA) in the UK, so you don’t make your reclaim too late.
The UK Ombudsman explains the 6 year and 3 year rule:
“There are certain time-limit rules that apply to our service. One is when a complaint is referred to either the financial business or to our service more than six years after the event that’s being complained about, or if later, three years after the consumer knew or ought reasonably to have known they had cause to complain about that same issue.”[2]
You can find out more from our Knowing the time limits for starting your vehicle write-off reclaim blog
We can check your case and see if you were offered too little on your car insurance write-off. We look at other similar cases and help you make a claim. Some insurance companies only offer more money if you complain. That’s why it’s important to speak up.
Getting help is smart – not weak. Let Allegiant help you get the money you deserve.
Click below to see answers to common queries.
A vehicle write-off, or total loss, occurs when your insurer decides that the cost of repairing your vehicle is economical based on its market value before the incident. The insurer will declare it a total loss and provide a settlement based on its pre-accident value.
Yes you can still make a claim. An insurance company treats a claim as a “fault” claim when it can’t get back any of the costs it’s paid out to settle the claim from a third party (such as another driver’s insurer). This does not change the fact that your insurer should make a payout reflecting the true pre-accident market value of your vehicle.
Some insurers offer a lower initial settlement, assuming the customer might accept it or might not know how to challenge it. This is a point of concern highlighted by the UK regulator, the Financial Conduct Authority.
Even if the insurer increases its valuation, it still may not be high enough when compared to the objective guidance available for valuing vehicles.
If you cannot remember the registration of your vehicle, we can still help. Simply enter the details of the vehicle manually and we should be able to find the vehicle and registration for you to continue a write-off claim.
You’re still responsible for any remaining finance payments. The reclaim against your insurer, for potentially undervaluing your written-off vehicle, is completely separate to any contractual agreement you have with your finance company.
Unfortunately, in order to make the claim, it would need to be the policyholder of the vehicle and not a named driver. Even if you were driving at the time of the accident. It would still need to be the policyholder who makes the claim
Yes, the valuation considers factors like age, mileage, model, and additional features. Allegiant ensures these factors are considered fairly, where that information is available.
Allegiant can assist with claims for incidents up to six years old, making it possible to revisit past claims where recent guidance suggests a higher valuation should have been used. If the write-off is more than 6 years ago, certain time limit restrictions for making a reclaim could apply.
We realise that claiming against an insurer may feel daunting. We aim to make the claiming process as simple as possible. Our experienced team will communicate with your insurance company (and where required, the Ombudsman service) on your behalf. We use bespoke technology to ensure efficient claims handling. Throughout the process, we inform you of claim progress using a “stage process”, so you can track your progress easily. Please remember, that you do not need to use a claims management company to make your complaint to your insurer, and if your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
Pre complaint investigation and analysis
Formal complaint made, where appropriate.
Insurer responds with a Final Response Letter
If an appropriate outcome cannot be reached, referral to Financial Ombudsman Service.
Our success fee is due only if your insurer makes a compensation payout, and is calculated on the amount of the compensation payout
The success fee amount is calculated using a band charging system. There are five charging bands. Each band has a maximum amount that we will charge.
Success Fee Charging Table
| Band | Compensation Payout | Percentage rate the Success Fee is calculated on (including VAT) | Maximum Success Fee in band (including VAT) |
| 1 | £1 to £1,499 | 36% | £504 |
| 2 | £1,500 to £9,999 | 33.60% | £3,000 |
| 3 | £10,000 to £24,999 | 30% | £6,000 |
| 4 | £25,000 to £49,999 | 24% | £,9000 |
| 5 | £50,000 or more | 18% | £12,000 |
Below are examples of how this would work in practice.
| Band | Comp Payout (Lower) | Success Fee (Lower) | Comp Payout (Higher) | Success Fee (Higher) |
|---|---|---|---|---|
| 1 | £100 | £36 | £1,499 | £504 |
| 2 | £1,600 | £537.60 | £9,999 | £3,000 |
| 3 | £12,000 | £3,600 | £24,999 | £6,000 |
| 4 | £30,350 | £7,284 | £49,999 | £9,000 |
| 5 | £55,000 | £9,900 | £100,000 | £12,000 |
If you want to see how much we would charge for a specific amount, please visit our online fee calculator on our fees page.
Please note that the examples in the tables are for illustration purposes only. They are not an estimate of the likely outcome or success fee.
You can cancel for free at any time within 14-days without giving any reason and without incurring any liability. You can communicate your cancellation by telephone, post, email or online.
You can cancel this agreement at any time after the 14-day cancellation period. However, if a complaint submitted by us is successful, the Success Fee will apply in the usual way.
You can cancel by post: Allegiant Finance Services Limited, Freepost RTYU–XUTZ–YKJC, 400 Chadwick House, Warrington Road, Birchwood Park, Warrington, WA3 6AE; (b) by email: helpdesk@allegiant-finance.co.uk; (c) by telephone: 0345 544 1563; or (d) online at HERE.
Allegiant Finance Services was founded in 2010 and has helped over 100,000 customers reclaim over £80,000 across all claim types.
Vehicle write-offs can be traumatic. We’re here to support clients through their quest for reimbursement.
We will only correspond with you and keep your details secure. We’ll never sell your data
Fill in our form and our advisors will review whether you are eligible for our service.
Good to know: We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender, bank or insurer. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free if the firm is still trading. For eligible failed firms, you can refer a claim to the Financial Services Compensation Scheme for free.
