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Write-Off Guide

What Is A Cat S / Cat N Write-Off?

When an insurer decides a car isn't economical to repair, it records a salvage category. The letters tell you whether the damage was structural, and they affect what the car is worth — but they don't make it unsellable.

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The four categories

Cat S (Structural) means the chassis or a structural part was damaged but the car can be professionally repaired. Cat N (Non-structural) means the damage was cosmetic or electrical, with no structural harm.

Cat C and Cat D are the older equivalents used before 2017 — broadly, Cat C is heavier damage and Cat D lighter. All four can legally return to the road once repaired and, where required, inspected.

Can you still sell a written-off car?

Absolutely. We buy Cat S, Cat N, Cat C and Cat D vehicles every day, repaired or not. The category is recorded against the vehicle for life, so it's factored into the offer, but it never stops a sale.

You must disclose the category honestly when selling — hiding it is illegal and, with us, unnecessary: we buy write-offs as standard.

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Frequently asked questions

Can I sell a Cat S or Cat N car?

Yes. Write-off categories are permanently recorded but the car can still be sold. We buy Cat S, Cat N, Cat C and Cat D vehicles, repaired or unrepaired.

Does a write-off category lower the value?

It reduces value compared to an equivalent clean car, but a repairable write-off still holds real worth in its parts and remaining life.

Related guides

How much is a non-runner worth? How scrap prices are worked out
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