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Written off? You have options.

Most drivers accept the first settlement figure. With our buy-back option, you don’t have to. Try your own numbers — the difference is real money.

📞 Talk to a total loss specialist

What’s your car worth?

Typical insurer settlement£24,000
BKN buy-back£30,000
£6,000 more in your pocket
Illustrative: assumes a typical 20% salvage deduction. Actual settlement figures depend on your vehicle, its condition and the insurer’s assessment.
Total loss specialists

The write-off maths, made simple

Your car was worth £30,000 before the accident and it's been written off. Here's what happens next.

Standard settlement
£24,000
plus your damaged car
  • Salvage value deducted from your payout
  • You're left to sell a damaged car
  • Weeks of back-and-forth
BKN buy-back
£30,000
full pre-accident value
  • We top up the settlement ourselves
  • We collect the vehicle — nothing to do
  • Replacement car while you wait
Talk to a total loss specialist
Illustrative example. Settlement figures depend on your vehicle's pre-accident value and condition.
How buy-back works

Three numbers, one better deal

When a car is written off, the insurer deducts the salvage value of your damaged vehicle from its pre-accident value. Take their offer and you keep a damaged car you now have to sell. Take ours, and we pay the difference up to the full pre-accident value — and the damaged car becomes our problem, not yours.

Beacon, the BKN Claims mascot
Beacon’s tip: Never accept a settlement figure on the phone. Ask for it in writing first — then talk to us before you sign anything.
A total loss settlement being reviewed on BKN Claims letterhead
A written-off car being collected on a recovery truck

Just had an accident?
Call us before your insurer.

Two minutes on the phone now can save your excess, your no-claims bonus and weeks of hassle.

📞 Call 0800 000 0000
📞 Tap to call — 0800 000 0000