Cat N and Cat S Cars Explained: Should You Buy One?

Cat N and Cat S write-offs explained. What they mean, how they affect value, and whether buying one is a smart move or a costly mistake.

Cat N and Cat S Cars Explained

When a car is damaged and the insurer decides the repair cost isn't worth it relative to the car's value, it's written off and given a category marker. These categories follow the car for life.

The categories

• Cat A — Scrap only. Too dangerous to repair. Must be crushed.
• Cat B — Body shell must be crushed, but parts can be salvaged.
• Cat S (formerly Cat C) — Structural damage. Can be repaired and put back on the road, but must pass a new MOT.
• Cat N (formerly Cat D) — Non-structural damage. Cosmetic or mechanical damage. Can be repaired and driven.

Should you buy a Cat N or Cat S car?

Cat N (non-structural) is the lower risk option. The damage was cosmetic — dented panels, scuffed bumpers, damaged lights. If repaired properly, these cars drive fine. Expect to pay 20–30% less than a clean equivalent.

Cat S (structural) is higher risk. Chassis or structural components were damaged. Even when professionally repaired, there's a higher chance of long-term issues. The discount is typically 30–50%, but your insurance premiums will be higher.

The risks

• Resale value: Cat markers significantly reduce value. The car will always be worth less than a clean equivalent.
• Insurance: Some insurers won't cover Cat S/N vehicles. Those that do charge more.
• Hidden damage: A cheap repair job can hide serious problems. Always get an independent inspection.

How to check if a car is a write-off

Our full vehicle history report shows the write-off status of any UK vehicle — including the category and date of the write-off.

Check write-off status — from £8.99