My car isn't repairable but I have finance on it. What should I do?

You should contact your finance provider and notify them that your car has been in an accident and isn’t repairable. Let them know that Motivo (Powered by 1st Central) will be in touch to discuss the outstanding agreement and confirm the settlement amount.

Once we have this, we’ll discuss what options are available to you. If your car’s value is less than the finance settlement amount, you may still have to make a payment to the finance company. If this is the case, you’ll need to speak to them directly to make the payment. Or if you have GAP (Guaranteed Asset Protection) insurance, they can arrange this for you.

We’re unable to salvage your car until your finance agreement has been settled, so it’s best to arrange this as soon as you can. This will help you to avoid delaying your claim and incurring any storage charges or additional fees.