When your car is declared a write-off, your insurance policy will be terminated. Depending on the terms and conditions of your contract, you may retain specific claim rights. However, you must continue paying monthly premiums until the contract's end. This holds true for Cat A vehicles.
For Cat B, Cat S, and Cat N vehicles, you can negotiate with your insurance company to repurchase the car. In the cases of S and N, you are responsible for all necessary repairs. After completing the repairs, you must apply for a new insurance policy. Be prepared for a potentially higher premium this time, as various factors will influence it.