Question 1

What is vehicle value loss (diminution in value)?

Accepted Answer

Diminution in value is the permanent reduction in a vehicle's market value that results from having an accident on its history — even after a full and professional repair. Any buyer running an HPI, RAC, or AA check will see the accident record, and that reduces what they are willing to pay. Under English and Welsh law (Payton v Brooks [1974]), innocent parties are entitled to recover this loss from the at-fault driver's insurer.

Question 2

Can I claim vehicle value loss after a non-fault accident?

Accepted Answer

Yes. If you were not at fault for the accident, you are entitled to recover the reduction in your vehicle's market value. This is a separate claim from the repair cost — and most insurers will not volunteer to pay it. Our pack provides a professional evidence report and insurer-ready claim letter.

Question 3

How is vehicle value loss calculated?

Accepted Answer

We apply industry-standard diminution percentages based on damage severity: 7.5% for minor damage, 13.5% for moderate damage, and 20%+ for severe or categorised vehicles. This percentage is applied to your vehicle's live market valuation to produce the diminution figure.

Question 4

Do I need a solicitor to claim vehicle value loss?

Accepted Answer

No. Most vehicle value loss claims are resolved directly with the at-fault insurer without solicitor involvement. Our evidence pack provides a professionally formatted report that insurers take seriously — at a fraction of the cost of legal representation.

Question 5

Does this apply to vans and motorcycles as well as cars?

Accepted Answer

Yes. Our Vehicle Value Loss Recovery Pack covers all private motor vehicles — cars, vans, motorcycles, and light commercial vehicles. The diminution methodology applies equally regardless of vehicle type.

Question 6

My insurer says I can't claim value loss — is that correct?

Accepted Answer

No. Your own insurer may not be the right party to claim against — the claim is made against the at-fault driver's insurer. Insurers sometimes discourage these claims because they reduce their settlement costs. Our pack gives you the legal basis and professional documentation to make the claim directly.

Vehicle Value Loss Claim

What Is Vehicle Value Loss?

How to Recover Your Vehicle's Lost Value

Enter Your Vehicle Details

Generate Your Evidence Report

Send the Claim to the Insurer

Ready to Recover Your Vehicle's Lost Value?