Can I pull out of a claim if my car is written off?

[jeansday]

I was stationary outside the school and someone reversed into me and caused a scrape, however my car is a 2008 and only worth a few hundred pounds but we’ve had it since new and really looked after it so it’s worth more to us.
The insurance company wrote it off, based on its age, we just hoped to have the scrape repaired but a few hundred pounds is nothing and will just leave us without a car to get to work.
Can I cancel the claim and just live with the scrape? Some of it might even polish out but I don’t want to lose my car so if it’s written off now can I still drive it and is it still insured if I just cancel the claim with the other drivers insurance?

yes as long as you haven’t accepted the money and its not been settled.

I have heard of people buying back their written off cars. No idea how it works but it might work for you.

l thought you could buy it back too.

It would be a cat N vehicle. You can keep it and decline any payout, but you do have to then declare cat N to whichever insurer you use for a new policy going forward. Insurance premiums will probably be higher.

One way (bit risky though!) is that my son had his grandma's car that she'd had from new in 2009 - low mileage, lovely condition, always serviced. Someone on a motorbike ran into the back of it in stationary traffic a couple of years ago (rider was fine). There was a dent in the middle of the bumper but son was surprised when they said someone was coming to collect it as they'd written it off! They offered under £1200. The guy who came said that if he went to an auction in - I think - Canvey Island that weekend he'd be able to buy it back for about £200. We didn't go but my poor old dad was tempted! Seems crazy. OP, I hope you find an easier way.

You can buy it from the insurance company which basically means accepting a lower payout but keeping the car. Ask them what they’d offer you if you want to keep the car.