This article was published on 17 March 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

If you’re involved in an accident and told your car has been written off, it can feel overwhelming, especially if you rely on your vehicle for work, family life, or regular travel. Understanding what a write-off means and how your car insurance responds can help take some of the uncertainty out of the situation.

This guide walks you through what happens when your car is written off, step by step.

What Does It Mean When a Car Is Written Off?

A car is considered written off when an insurer decides it’s either unsafe to repair or the cost of repairs outweighs the car’s value. This can happen after a collision, fire, flood, or other serious damage.

The decision is based on safety standards and financial practicality, not just whether the car looks repairable.

Step 1: Vehicle Inspection and Valuation

After you submit an insurance claim, your insurer will arrange for your car to be inspected by a qualified engineer. They’ll assess the damage and estimate repair costs, then compare this with the car’s market value before the incident.

If repairs aren’t viable, the car will be officially written off.

Step 2: Write-Off Categories Explained

In the UK, written-off vehicles are placed into categories depending on the level of damage:

• Category A – Scrap only. The car is beyond repair and must be destroyed.
• Category B – Parts may be salvaged, but the car itself can never return to the road.
• Category S – Structural damage, but repairable and able to return to the road once fixed.
• Category N – Non-structural damage, such as electrics or bodywork, and repairable.

Only Category S and N vehicles can legally be driven again after appropriate repairs.

Step 3: Insurance Settlement

If your car is written off, your insurer will usually offer a settlement based on its pre-accident market value. This reflects what a similar vehicle would have sold for at the time, not the original purchase price.

If you disagree with the valuation, you can challenge it by providing evidence such as comparable listings.

Step 4: What Happens to the Vehicle?

Your insurer will normally take ownership of the car. However, in some cases, you may be able to retain the vehicle if it falls into a repairable category, something to discuss with your insurer directly.

Step 5: Moving Forward

Once your claim is resolved, replacing your vehicle becomes the next priority. Having dependable car insurance in place can make this process smoother and less stressful.

Supporting You on the Road

For serving armed forces personnel and their families, dependable car insurance offers reassurance, whether you’re commuting, relocating, or managing everyday commitments.

To learn more about Forces Mutual Car Insurance and how it could support you, visit our car insurance page and explore your options.

Photo by Jeffrey Paa Kwesi Opare

This article was published on 3 February 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

With electric vehicles (EVs) becoming part of everyday life, many UK drivers – including those in the Armed Forces and emergency services – are asking: is now the right time to switch?

From government incentives to lower running costs, there are strong reasons to consider going electric. In this article, we’ll explore the current incentives, practical benefits, and how Forces Mutual can support you with car insurance tailored to your needs.

Why Consider an Electric Car?

Electric vehicles offer practical and financial benefits beyond reducing your carbon footprint:

• Lower running costs – Electricity is generally cheaper than petrol or diesel, and EVs typically need less maintenance.
• Clean Air Zone exemptions – EVs are often exempt from charges in low-emission zones.
• Congestion Charge changes from 2026 – Until the end of 2025, battery-electric cars were fully exempt from the London Congestion Charge. Since 2 January 2026, this full exemption has ended: electric cars now must pay the Congestion Charge but can receive a discounted rate (for example a 25 % discount via Auto Pay), meaning EVs will still pay less than petrol/diesel vehicles when driving in central London.
• Government grants – While some schemes have ended, others still offer support for home charging installations.

Current Incentives for UK Drivers

There are numerous electric car incentives available:

• Electric Car Grant

The government’s new Electric Car Grant launched in July 2025 and offers up to £3,750 off the cost of a new electric car, helping more drivers make the switch. The initiative also supports sustainable manufacturing across the automotive sector. The grant is only available for vehicles that have been approved as eligible and the list of cars/vehicles eligible for the grant can be found here: Eligible Grant Vehicles. It’s worth noting that the list is regularly updated and you don’t need to apply for it – your car dealer or manufacturer will handle this for you.

• Home Charging Grants

The EV Chargepoint Grant offers up to £350 off the cost of installing a home charger, available to anyone who owns and lives in a flat or rents and lives in a residential property. Please note that is grant is not available on military bases or Ministry of Defence (MOD)-provided quarters. The MOD has been installing EV charging points at various sites to support its non-combat vehicle fleets and personnel. It may also be possible to have an EV charge point fitted at your Service Family Accommodation (SFA), but please check local availability.

Is It the Right Time for You?

Switching to an electric car is a personal decision, but with fuel prices remaining high and the UK’s plan for all cars to be 100% zero emission by 2035, now could be an ideal time to consider the move.

EV technology and charging networks continue to improve, making electric driving more practical whether you’re commuting to base, travelling between stations, or planning family trips.

Protect Your EV with Forces Mutual Car Insurance

Whether you’re already driving electric or just exploring your options, having the right protection matters.  Forces Mutual Car Insurance is designed with the Military community in mind, giving you peace of mind, reliable cover and dedicated support.

For more information about Forces Mutual Car Insurance and how you could benefit, visit our Car Insurance page here or call 0151 363 5290

Forces Mutual Car Insurance is provided by ERS.

This article was published on 2 February 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Buying a car? If it’s new, high-spec, or pricey, you might hear about the luxury car tax. Many drivers only spot it on paperwork, and it can be a shock.

Here’s a quick guide: who pays it, how much, and what it means for new, used, and electric cars.

What is the luxury car tax?

• Not a separate tax. It’s officially the Vehicle Excise Duty (VED) expensive car supplement.
• Extra annual charge if your car had a list price exceeding £40,000 when new.
• Applies whether you buy outright, on finance, or second-hand.

When did it start?

• Introduced in April 2017.

How much is it?

• £450 per year (2024/25 rate)
• For 5 years
• Starting from the second year your car is registered

This is on top of the standard VED rate.

Tip: Check before you buy as the extra cost can add up.

Second-hand cars

• Based on original list price when new, not what you paid.
• Buy a used car under £40,000? You might still pay if it originally cost £40,000+ and is within the 5-year period.

Always check the car’s tax status before buying.

Electric vehicles (EVs)

• EVs were exempt, but from 1 April 2025, they pay VED and may face the luxury car tax.
• Cars exceeding £40,000: luxury car tax applies.
• November 2025 Budget update: EV threshold raised to £50,000 (effective April 2026).
• Retrospective relief: EVs bought between £40,001–£50,000 after April 2025 no longer pay.
• The above does not apply to hybrid and plug-in hybrid cars.

Protecting what matters on the road

Insurance is just as important as knowing tax rules, whether you’re driving a brand-new car, a second-hand vehicle, or an electric model.

Forces Mutual offers Car Insurance designed with the needs of serving, retired and veteran members of the Armed Forces, Staff and their families. To find out more and see if it’s right for you, take a look at our car insurance options today.

You can either call us on 0151 363 5290 or go online here.

Forces Mutual Car Insurance is provided by ERS.

For your security, all telephone calls are recorded and may be monitored.

This article was published on 08 December 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

As the UK Government moves toward phasing out new petrol and diesel cars and vans by 2030, we thought now was the perfect time to provide you with a refreshed guide to electric vehicles (EVs).

What is an Electric Vehicle (EV)?

The Parliamentary Office of Science and Technology official description is:

Electric Vehicles use electric motors to drive their wheels. They derive some or all of their power from large, rechargeable batteries. The distance an EV can drive between recharges is known as its range.

Let’s have a look at the different types and some of the names you might have heard of:

• All-electric EVs – where the battery is the only power source. The range (distance they can travel) will vary, according to driving style, terrain and the use of auxiliary equipment such as heating/air conditioning.
• Plug-in Hybrids (PHEVs) -can switch between running on electricity, petrol or diesel. They typically have a smaller battery, and therefore a lower battery powered range of between 10-40 miles. However, their maximum range is equivalent to a petrol or diesel car. Both Plug-in Hybrid and all-electric EVs are recharged by plugging them in to the electricity grid.
• Hybrids (HEVs) – which do not plug in, such as the Toyota Prius, have a much smaller battery which is recharged while driving. HEVs can drive in electric mode for a few miles and then revert to using petrol or diesel.
• Fuel Cell Vehicles -generate their own electricity on-board from a fuel such as hydrogen, and do not need to plug in to the electricity grid to recharge. Re-fuelling is similar to a petrol or diesel car.

Which type of EV is best for me?

This is a personal choice and will be dependent on several factors including, affordability, the type and distance of journeys you make and charging infrastructure where you live.

According to a UK Government report, 99% of car journeys in England are under 100 miles, so most could be made by an EV without needing to recharge.

How much do EVs cost?

Currently EVs cost more to buy than a comparable petrol or diesel vehicle. While they have fewer mechanical parts than conventional vehicles, battery prices are a substantial cost. Many modern EVs use lithium-ion batteries and it takes a lot of time and effort to turn raw lithium into something that can be used. Some manufacturers offer incentives and lease plans for the battery, so include this is your car purchase research.

Can I get any help with buying an EV from the Government?

Yes. The Government’s new Electric Car Grant launched in July 2025 and offers up to £3,750 off the cost of a new electric car, helping more drivers make the switch. The initiative also supports sustainable manufacturing across the automotive sector. The grant is only available for vehicles that have been approved as eligible and the list of cars/vehicles eligible for the grant can be found here: Eligible Grant Vehicles. It’s worth noting that the list is regularly updated and you don’t need to apply for it – your car dealer or manufacturer will handle this for you.

Will I have to pay road tax (VED)?

Yes. Since 1 April 2025, EV’s have no longer been exempt from Vehicle Excise Duty (VED) and have to pay an amount dependent on when the car was first registered and the list price, when it was new.

It is also worth noting that in the recent 2025 Budget, the Government announced that they will start to charge EV and PHEV owners, a “pay-per-mile” charge, from 1 April 2028. The consultation on this change has only just started, so look out for further information on this.

Vehicle range

While vehicle range isn’t an issue with hybrids, as they will run on petrol and diesel, in addition to electric, vehicle range has always been a concern for drivers. It’s therefore encouraging to hear that according to the Society of Motor Manufacturers and Traders (SMMT), the average range of a new electric car on sale in the UK today is almost 300 miles. That’s up from 235 miles in 2024. Of course, some of this will be reflective of the driving conditions, roads and the way you drive, plus use of air conditioning and technology within the vehicle.

Charging points

The term “range anxiety” describes a very real fear of running out of battery and knowing where to charge it up.

While you can have a charger fitted at home, clearly there will be times when you need to recharge when out and about.

The good news is that the number of charging points is increasing. According to Zap Map the number of charging points grows by the day and at the end of October 2025, there were 86,798 electric charging points across 44,142 charging locations (UK only). Since October 2024 the public network has grown by 22%.

In October 2025, 777 new charging devices were added to the Zap-Map database. You can view local ones to you or your journey at zap map live – you might not have even known they were there!

What about insuring your EVs

Do I need specialist insurance?

The simple answer is no. Whilst you can buy specialist insurance for your EV, most major insurers now cover electric cars.

Does it cost more to insure an EV?

This can depend on the EV you choose, but according to wepoweryourcar.com, on average, insurance is more expensive than petrol and diesel vehicles in the UK.

This could be linked to expensive parts, higher repair costs and the availability of garages with qualified mechanics. While electric cars have fewer moving parts than petrol or diesel vehicles, some components like the lithium-ion batteries are very expensive to repair if damaged.

Car Insurance from Forces Mutual

Forces Mutual Car Insurance offers policies for a range of EVs. You don’t need to buy a special EV policy and you can get a quote in the usual way.

You can either call us on 0151 363 5290 or go online at forcesmutual.org/car

Forces Mutual Car Insurance is provided by ERS.

PMGI Limited, trading as Forces Mutual, is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No. 1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB

 For your security, all telephone calls are recorded and may be monitored.

This article was published on 24 November 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Winter driving can test even the most experienced drivers — with darker mornings, icy roads, and unpredictable weather. As part of the Armed Forces community, you already understand the importance of being prepared and aware. These reminders are perfect for helping your family stay safe behind the wheel this winter.

Winter Car Essentials

A little forward planning can make all the difference during the colder months. Before setting out, take a few moments to make sure your car is ready for winter conditions:

1. Check fluids and battery

Inspect your oil, coolant, and screen wash regularly. You should also check your lights as well – cold weather can also drain battery power faster, so ensure yours is fully charged and consider a professional battery test if it’s more than a few years old.

2. Prepare for frost and ice

Keep de-icer and an ice scraper in the car — and a spare set in the boot. Avoid using hot/boiling water on windscreens as it can crack the glass.

3. Inspect your tyres

Good tyre grip is vital for safe winter driving. Use the 20p coin test: insert the coin into your tyre’s tread grooves — if you can see the coin’s outer band, it’s time for new tyres. When in doubt, get them checked by a professional.

4. Maintain wipers and screen wash

Replace worn wipers and use a winter-grade screen wash with anti-freeze protection. You’ll rely on it more frequently during winter, so top it up often.

5. Pack a winter emergency kit

Be ready for the unexpected — especially if you’re travelling long distances or to remote areas. A good winter kit should include:

• A small shovel
• High-visibility vest and warning triangle
• Torch and spare batteries
• Blanket and warm clothing
• Jump leads
• First aid kit
• Don’t forget some snacks or chocolate!

Many garages offer winter car checks, so don’t hesitate to book one for peace of mind.

Before you set off

Preparation is key when driving in winter:

• Check the weather forecast and road conditions before leaving.
• Allow extra travel time for delays or poor visibility.
• Avoid driving when fatigued – plan breaks or share the driving.
• Keep valuables and gifts out of sight, especially during the festive season.

Check your breakdown cover

Breakdowns are more frequent in winter due to cold weather and battery issues. Review your breakdown policy to ensure you have the right level of assistance -particularly if you drive long distances or live in rural areas.

Car Insurance and Breakdown Cover for the Military Community

At Forces Mutual, we offer both car insurance and breakdown cover exclusively for serving, retired and veteran members of the Armed Forces, Staff and their families.

You won’t find us on comparison sites – our services are designed specifically for the military community, with flexible cover and dedicated support.

Find out more: Visit our website or call 0151 363 5290 for further details.

Car Insurance is provided by ERS.

Breakdown Cover (Forces Mutual Rescue) is provided by ERS.

This article was published on 03 November 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Whether you’re commuting, driving between bases, or heading home on leave, a vehicle breakdown can happen at any time – day or night, weekday or weekend. While there’s never a good time for your car to stop working, understanding the most common reasons can help you prepare, prevent issues, and get back on the road faster.

This guide highlights the top causes of breakdowns in the UK and simple steps to reduce the risks – useful for anyone in the Armed Forces community who relies on their car.

1. Flat or Faulty Batteries

One of the leading causes of car breakdowns in the UK is a flat or failing battery.

Causes:

• Ageing batteries (typically after 3-5 years)
• Short, infrequent journeys that don’t fully recharge the battery – common for drivers using their car mainly for base-to-home trips

Prevention Tips:

• Recharge your battery overnight every few weeks if your journeys are short
• Replace the battery every 3-5 years, depending on usage

2. Alternator Failures

The alternator recharges your battery and powers essential electrical systems.

Warning Signs:

• Flickering battery light
• Dim headlights
• Slower-than-normal windscreen wipers

 Alternators can’t be maintained, but spotting problems early can save you from being stranded.

3. Starter Motor Problems

The starter motor draws power from the battery to start your car.

Prevention:

While there’s little you can do to avoid starter motor wear, regular servicing helps catch issues before they worsen – especially before long journeys or deployments.

4. Tyre and Wheel Damage

Punctures, blowouts, or other tyre damage are common on UK roads.

Prevention Tips:

• Check tyre pressure and tread depth regularly (especially before long journeys)
• Carry a spare wheel or puncture repair kit
• Ensure tyres always meet MOT standards

5. Misfuelling

Thousands of UK drivers each year put the wrong fuel in their car – most often petrol into diesel, as the nozzle fits easily into a diesel filler neck.

If you misfuel:

• Do not start the car
• Don’t turn the ignition (this primes the fuel pump)
• Call your breakdown provider or garage for specialist help

6. Electrical System Faults

Modern cars have increasingly complex electrics – faults can affect everything from headlights to infotainment.

Tip: Other than replacing bulbs, leave electrical issues to a qualified mechanic who can run diagnostics safely.

7. Low Oil Levels

Running with low oil can cause severe engine damage, even complete failure.

Prevention Tips:

• Don’t rely solely on the oil warning light
• Check oil levels regularly with the dipstick

8. Lost or Locked-In Keys

Lost keys or being locked out is a frequent issue. Many modern keys contain chips, making them secure but harder to replace.

Prevention Tip:

• Keep a spare key at home or with a trusted family member while you’re away on duty. Alternatively, if stranded call your breakdown provider or special locksmith.

Breakdown cover that keeps you moving from £61.60 per year.

Provided by ERS, Forces Mutual Rescue unlike the AA or RAC, doesn’t have a fleet of branded vans, but utilises UK wide recovery specialists to rescue you 24/7 when your car breaks down.

UK cover comes with:

• Misfuelling cover
• Lost keys and lock assistance
• Home assistance
• Onward travel provision should your car not be repairable

Terms & Conditions apply.

For full policy cover details including any exclusions, please call 0151 363 5290 or visit our website

Forces Mutual Rescue (Breakdown Cover) is provided by ERS (Syndicate 218 at Lloyds).

For your security, all telephone calls are recorded and may be monitored.

This article was published on 18 August 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Car theft in the UK remains a real problem with over 61,000 vehicles were reported stolen in 2024. That’s around seven cars an hour, according to DVLA data obtained by What Car?  While this represents a modest 6% decrease from the previous year, the figures remain alarming.

For members of the British Armed Forces and your families, your lifestyle often means parking in a mix of locations – on secure bases, at home, in public car parks, or even leaving vehicles behind during deployments. While military bases often offer a higher level of security, no location is completely risk-free. That’s why it’s important to take simple, effective steps to protect your vehicle wherever it’s parked.

Keyless Cars: Modern Convenience, Modern Risk

If your car has keyless entry, it’s worth knowing it can also be more vulnerable to theft – especially from relay attacks. Thieves can use devices to clone the signal from your key fob and drive off in seconds, without breaking a window or forcing entry.

Here are some simple but effective steps, as recommended by Thatcham Research, to help protect keyless vehicles:

• Update software: Check with your car dealer about any security updates.
• Disable key fobs: Some key fobs can be switched off when not in use – ask your dealer how.
• Use a signal-blocking pouch: Also known as a Faraday pouch, this can stop the signal being stolen.
• Store keys safely: Keep them away from doors and windows – don’t leave them in easy-to-reach spots.
• Be alert: Keep an eye out for suspicious behaviour, especially around car parks or your driveway.

Everyday Tips to Prevent Car Theft

Whether your car is keyless or not, there are everyday steps that can reduce your risk:

• Always lock doors and close windows, even if stepping away for just a moment.
• Never leave your car running unattended – not even on cold mornings.
• Keep valuables out of sight or remove them from the vehicles.
• Park in well-lit, secure areas when possible.
• Use visible security devices like steering wheel locks or gear stick locks.
• Consider a car alarm or tracking system – some may also reduce your insurance premium.

Secure Your Driveway or Parking Space

Even at home or on base, extra protection helps. Here’s how to make your vehicle less attractive to thieves:

• Install a home CCTV system. Basic home systems are affordable and can deter opportunists.

• Use motion-activated lights. Thieves prefer the dark – keep your space well-lit.
• Be cautious with key storage. Avoid leaving keys in obvious places like hooks near the front door or in view when you’re out and about.

Remember, the more layers of security you have, the less appealing your car is to thieves.

Car Insurance that understands Military Life

At Forces Mutual, we understand the demands of military life – frequent moves, deployments, or secure base living. That’s why Forces Mutual Car Insurance is designed with serving personnel and your families in mind – Cover comes with features you won’t typically find in standard policies. T&Cs apply.

Learn more about Forces Mutual Car Insurance offering here or call 0151 363 5290 to speak with our friendly team.

Forces Mutual Car Insurance is provided by ERS.

This article was published on 20 June 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Running a car in the UK isn’t cheap. According to NimbleFins, the average annual cost in 2025 is over £3,350. But with a few smart strategies, you could reduce your motoring expenses—without compromising safety or performance.

Whether you’re stationed in the UK or preparing for deployment, here are some practical tips to help you save money on your vehicle.

1. Save on Servicing

Regular servicing keeps your car running smoothly and helps avoid costly repairs down the line. But you don’t have to pay over the odds:

• Shop around for competitive servicing quotes.
• Stick to the manufacturer’s service schedule to maintain performance and resale value.
• Keep a full service history—this can boost your car’s value when it’s time to sell.

2. Look After Your Tyres

Tyres are vital for safety and fuel efficiency. Here’s how to extend their life:

• Check tyre pressure regularly—incorrect pressure increases wear and fuel use.
• Inspect tread depth and remove debris like stones.
• Get your wheels aligned—misalignment can double tyre wear.

Remember: UK law requires a minimum tread depth of 1.6mm across the central three-quarters of the tyre. Many experts recommend replacing tyres at 3mm for better grip and safety.

3. Lighten the Load

Carrying unnecessary weight—like kit bags, tools, or sports gear—can increase fuel consumption. Clear out your boot and remove roof racks or boxes when not in use to improve fuel economy.

4. Drive Smarter, Save Fuel

Your driving habits have a big impact on fuel efficiency. Try these techniques:

• Accelerate and brake gently.
• Maintain a steady speed—most cars are most efficient between 30–50 mph.
• Avoid idling—use start-stop tech if your car has it.
• Use air con and electrics sparingly—they increase fuel use.
• Change gear early but avoid straining the engine.

You can estimate your fuel usage using free online calculators like those at Fuel-Economy.co.uk.

5. Choose a Car with Lower Emissions

If you’re in the market for a new vehicle, consider one with low CO₂ emissions:

• Lower emissions = lower Vehicle Excise Duty (car tax).
• From 1 April 2025, even zero-emission vehicles are subject to tax, but they may still be cheaper to run overall.
• Use the VCA tax calculator to estimate your costs.

Cars over £40,000 attract an additional annual charge of £425, unless they’re zero-emission and registered before April 2025.

6. Prepare for Winter Driving

Cold weather can be tough on vehicles. Get ahead of the season with these checks:

• Lights – Clean and check all bulbs.
• Screenwash – Use a winter-grade mix to prevent freezing.
• Battery – Cold weather drains batteries faster—test or replace if needed.
• De-icer and scraper – Keep them handy for frosty mornings.
• Winter tyres – Optional in the UK, but useful if you’re driving in snow or abroad.

7. Review Your Car Insurance

If you’re not already insured with Forces Mutual, it might be time to switch:

• Spread the cost monthly at no extra charge.
• Switch anytime—we’ll cover cancellation fees up to £125 from your current insurer.
• Tailored cover for armed forces personnel.

Learn more about Forces Mutual Car Insurance here.

Forces Mutual Car Insurance is provided by ERS.