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
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
Justification & Legal Basis
A vehicle that has been involved in an accident, regardless of the quality of repair, suffers a reduction in market value due to its accident history. This is known as diminution in value or value loss, and is a recognised form of loss recoverable from the at-fault party.
The principle is established in case law, including Payton v Brooks [1974], which affirmed that a claimant is entitled to recover the difference between the pre-accident value and the post-accident value of their vehicle, even after repair.
The reduction applied in this report reflects the moderate accident severity, combined with the absence of structural damage, category markers, or outstanding repairs — resulting in a base reduction of 13.5%.
Insurer Claim Letter
Ready to SendJames Thornton
Date: 22 March 2026
Aviva Insurance Ltd
Claim Reference: AV-2026-447821
RE: Claim for Diminution in Value — Registration BW21 BMW
Dear Claims Handler,
I am writing in connection with the above claim to seek recovery of the diminution in value suffered by my vehicle following a non-fault road traffic accident.
I am seeking recovery of £4,387 representing the diminution in value of my vehicle following a non-fault accident. This assessment is based on current UK vehicle valuation data and recognised market impact following vehicle damage.
| Pre-Accident Market Value | £32,500 |
| Post-Accident Market Value | £28,113 |
| Diminution in Value | £4,387 |
| Reduction Applied | 13.5% |
| Valuation Provider | Brego |
| Valuation Date | 22 March 2026 |
I request that this sum is settled within 21 days of this letter. Should you require further supporting documentation, I am happy to provide evidence of the accident, repair records, and valuation methodology.
Failure to respond or settle this claim may result in the matter being escalated to the Financial Ombudsman Service or referred to the County Court.
Yours faithfully,
James Thornton
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.
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