Vehicle Value Loss
Evidence Report
See exactly what your insurer-ready report looks like before you buy. Real data, real calculations, real claim letter.
2021 BMW 5 Series 520d M Sport
Black Sapphire Metallic · BW21 BMW
Estimated loss
£4,387
Representative vehicle imageVehicle Value Loss
Evidence Report
Post-Accident Diminution in Value Assessment
Registration
BW21 BMW
Vehicle
2021 BMW 5 Series
Valuation Date
22 March 2026
Case Ref
AV-2026-447821
Pre-Accident
£32,500
Value Lost
−£4,387
Post-Accident
£28,113
Vehicle Summary
Registration
BW21 BMW
Make
BMW
Model
5 Series 520d M Sport
Year
2021
Body Type
Saloon
Fuel Type
Diesel
Colour
Black Sapphire Metallic
Mileage
28,400 miles
Valuation Provider
Brego
Valuation Summary
Pre-Accident Value
£32,500
Clean market value
Estimated Value Loss
−£4,387
13.5% diminution
Post-Accident Value
£28,113
After accident impact
Engineer's Report Analysis
Auto-StructuredConflict resolved — severity updated from engineer's assessment
AutoExpert_Assessment_BW21BMW_Jan2026.pdf
AutoExpert Vehicle Assessors Ltd · 14 January 2026
Repair Cost Estimate
£5,800
From engineer's report
Assessed Severity
ModerateConfirms claim
Report Summary
The vehicle sustained significant front-end impact resulting in bonnet, front bumper, nearside wing, and headlamp assembly damage. Airbag deployment was not triggered. Structural assessment shows no chassis or subframe deformation. Repair costs are estimated at £5,800 with an expected repair timeline of 12–14 working days.
Damage Areas Identified
Key Technical Findings
- Front impact damage consistent with collision at moderate speed
- No structural or chassis deformation detected on inspection
- Airbag systems fully intact — no deployment triggered
- Repair estimate: £5,800 for parts and labour
- Accident history will be recorded on DVLA and insurance registers
How This Strengthens Your Claim
This independent assessment provides third-party evidence of the extent and nature of damage, corroborating the moderate severity classification and directly supporting the £4,387 diminution claim.
Loss Calculation Breakdown
Base rate — Moderate accident severity
+13.5%Structural damage adjustment
No structural damageCategory marker adjustment
No category markerRepair status adjustment
Vehicle repairedTotal Reduction Applied
£32,500 × 13.5% = £4,387
13.5%
total reduction
Legal Basis & Claim Letter Inside
The Payton v Brooks justification, loss calculation breakdown, and ready-to-send insurer claim letter are included in every generated Vehicle Value Loss pack.
Legal justification
Payton v Brooks [1974] citation
Reduction calculation
Severity + adjustments explained
Insurer claim letter
21-day deadline, ready to send
Includes live Brego valuation · Report saved to your account
Sample Report Disclaimer
This is a sample report for demonstration purposes only. All figures and details shown are illustrative. Vehicle images are representative only and do not depict an actual claimant's vehicle. In your generated report: "This valuation is based on current market data and estimated loss modelling. It is not a guaranteed sale price."
Live Brego Valuation
Real-time market value pulled directly from VRM — not an estimate you type in.
Representative Vehicle Image
OneAutoAPI sources a matching vehicle image for your report cover and dashboard.
Diminution Calculator
Base rate + adjustments for structural damage, category markers and repair status.
Insurer-Ready Claim Letter
Fully formatted, ready-to-send letter with your exact loss figure inserted.
Ready to recover your vehicle's lost value?
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