Insurers Write off Vehicles due to Parts Supply Delays

The fast-paced automotive industry is currently facing a troubling issue. The issue involves a growing number of vehicles that insurers write off due to delays in parts supply, causing frustration among car owners and uncertainty in the insurance industry. This article aims to analyse and highlight the implications of this problem.

The problem:

The growing demand for vehicles is straining the automotive supply chain, resulting in delays in obtaining components, and cars becoming trapped in repair shops waiting for parts. Mounting costs and limited options are forcing insurers to write off these vehicles in order to minimise losses.

Implications for policyholders:

When insurers write off vehicles, owners not only face losing their means of transport, but may also suffer a dent in their finances: market value settlements offered by insurers for written-off cars often fall short of replacement costs, leaving car owners out of pocket. insurers-write-off-vehicles-due-to-parts-supply-delays

Insurers' perspective:

From an insurer's perspective, writing cars off is often the only practical course of action. The claim settlement process is expedited by writing off vehicles, and rising repair costs make long waits for parts financially impractical. Writing off a vehicle can relieve the pressures of the supply chain problems.

What can policyholders do?

  • Maintain open communication with insurers:

To ensure fair treatment and appropriate compensation for their written-off vehicles, policyholders should actively communicate with their insurer, expressing their concerns and negotiating settlement offers. A clear and transparent communication is crucial.


Policyholders could explore alternative transport such as rentals or car-sharing services, whilst waiting for repairs or settlement.


  • Review insurance policies for comprehensive coverage:

Policyholders should review their insurance policies to ensure they have the right, comprehensive coverage to protect them in case of a written-off vehicle. By understanding the terms and conditions of their policy, policyholders can make informed decisions and gain a better understanding of the potential financial implications they may face.

  • Proactive stance for future security:

Policyholders can proactively stay informed about their rights, options and changes in regulations or laws. If they educate themselves about the claims process and policy coverage this will stand them in good stead for any possible challenges, and ensure fair treatment from insurers in the event of a written-off vehicle.



The rising trend of vehicles being written off due to parts supply delays presents challenges for car owners and insurers. Insurers are tasked with managing these delays. Policyholders should be aware of their rights and options to minimise their own burden. Open communication, exploring alternative transportation methods and reviewing insurance policies are crucial steps for policyholders. By engaging with insurers, seeking temporary transportation solutions, and understanding coverage, policyholders can mitigate the impact of this happening to them. Insurers must prioritise understanding, adaptability and proactive measures to ensure fair treatment for policyholders as the auto industry continues to address this issue.
If you would like your insurance programme reviewed, feel free to get in contact with us at Ascend, and let us find a  solution to your problems.

More related blogs:

Guide to Motor Claims Inflation

Consider self insurance for your motor fleet

Disruption in supply chains for Motor Trade


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