Knowing this information will go some way towards helping any potential future buyers understand what to look for when inspecting the car. The write-off categories are intended to reflect the type of damage sustained by a car that caused it to be written off. What does Cat S and Cat N damage mean for buyers? In effect, Cat N and Cat S replace the old Cat D and Cat C categories respectively, albeit with slight modifications to their remits to represent the complexities of modern cars. While Cat S cars can safely be repaired and put back on the road, they must be re-registered with the DVLA beforehand. What is Cat S damage?Ī Cat S car is one which has sustained structural damage – think of items integral to the car's structure such as the chassis and suspension. Cat N vehicles can be put back on the road, and while they do not need to be re-registered with the DVLA, you will still need to inform the DVLA your car has been written-off in the first place. The Cat N insurance write-off classification encompasses all non-structural damage to elements such as body panels, lights, and electrical systems. If you are searching for a used car, it is important to note that old cars that were originally assessed through the old system prior to October 2017 won’t be reassessed so they may still have Cat C or D classifications. In 2017, Cat N and Cat S replaced the older Cat C and Cat D categories to help better represent the complexity involved in repairing modern cars. The write-off category must be declared by anyone selling the car in the future and gives potential buyers an extra indication as to what to look out for. This indicates the extent of the damage and the nature of any repairs that will need to be carried out to make the car roadworthy again.
Should the insurance assessor find that the repair work required would be uneconomical, as the cost of repairs would be more than the value of the repaired car, they will assign a car an insurance write-off category.
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