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What does Cat N mean on a car?

Cat N (Category N) means a car was written off by an insurance company due to non-structural damage. The vehicle was deemed uneconomical to repair by the insurer, but it can be legally repaired and returned to the road if the work is completed to a satisfactory standard. Cat N replaced the previous Category D classification in October 2017.

Why Cat N matters to buyers

Repair quality

Cat N indicates damage to non-structural components such as panels, lights, or interior parts. This differs from Cat S, which indicates structural damage. The quality of repairs can vary significantly, and poor repair work may affect the vehicle's appearance, functionality, or future reliability.

Insurance implications

Some insurers charge higher premiums for Cat N vehicles, though the impact is generally less severe than for structural write-offs. You may still be able to obtain comprehensive cover, but it is advisable to check insurance quotes before purchasing.

Resale value

Cat N vehicles typically sell for less than equivalent non-written-off cars, though the reduction is usually smaller than for structural write-offs. The write-off status remains on the vehicle's record permanently, affecting future resale value.

Finance eligibility

Some lenders may refuse finance for Cat N vehicles, while others may offer loans but at higher interest rates. If you need finance to purchase the car, you should check with lenders before committing to buy.

What Cat N indicates

Non-structural damage refers to damage to components that do not affect the vehicle's load-bearing framework. This includes body panels, bumpers, lights, interior trim, glass, or electrical systems. The vehicle's chassis, subframe, and structural body remain intact.

When an insurance company writes off a vehicle as Cat N, they have determined that the cost of repairing the non-structural damage exceeds the vehicle's pre-accident value, making it a total loss. This is an economic decision based on repair costs, not a statement about the vehicle's structural safety.

A Cat N vehicle can be legally repaired and returned to the road without the same level of inspection required for structural write-offs. However, the write-off category remains on the vehicle's record permanently, even after successful repair.

What to check before buying a Cat N car

  • Verify the repair work was completed by a qualified mechanic or body shop
  • Request documentation showing the extent of the original damage and the repairs carried out
  • Inspect the vehicle thoroughly for signs of poor repair work or mismatched panels
  • Check that all electrical systems, lights, and safety features are functioning correctly
  • Confirm the vehicle's MOT history and current MOT status
  • Check insurance quotes before committing to purchase
  • Verify finance options if you need a loan to purchase the vehicle
  • Verify the seller has disclosed the Cat N status and it appears on the vehicle history check

How a vehicle history check helps

A vehicle history check provides official records from UK databases, including insurance write-off information. This helps buyers verify whether a vehicle has been written off, when it was written off, and under which category.

Sellers are legally required to disclose write-off status, but some may fail to do so. A vehicle history check provides independent verification from official sources, helping buyers make informed decisions and avoid purchasing vehicles with undisclosed damage history.

What a Carpeep vehicle history check can show

  • Write-off category (Cat S, Cat N, Cat A, Cat B, Cat C, Cat D) and date of write-off
  • Theft and recovery status, including whether the vehicle has been reported stolen
  • Outstanding finance agreements, including provider name, agreement type, and start date
  • Mileage inconsistencies and potential odometer rollbacks, automatically flagged
  • Keeper changes and number of previous owners
  • MOT history timeline, including all test dates, pass/fail results, advisories, and recorded mileage at each test
  • Registration plate changes and vehicle identity verification
Run a vehicle history check

Frequently asked questions

Is Cat N the same as Cat S?

No. Cat N (Category N) indicates non-structural damage, while Cat S (Category S) indicates structural damage. Cat N vehicles have damage to non-load-bearing parts such as panels, lights, or interior components, while Cat S vehicles have damage to the structural frame or chassis. Cat S typically has more significant implications for safety and value.

Can a Cat N car be legally driven?

Yes, a Cat N car can be legally driven after it has been properly repaired. Unlike structural write-offs, Cat N vehicles do not require the same level of inspection before being returned to the road. Once repairs are completed, the vehicle can be taxed, insured, and driven on UK roads.

Does Cat N affect insurance?

Cat N may affect insurance, but the impact is generally less severe than for structural write-offs. Some insurers charge higher premiums, while others may offer standard rates. It is advisable to obtain insurance quotes before purchasing a Cat N vehicle to understand the cost implications.

Does Cat N reduce resale value?

Yes. Cat N vehicles typically sell for less than equivalent non-written-off vehicles, though the reduction is usually smaller than for structural write-offs. The write-off status remains on the vehicle's record permanently, which affects its value throughout its lifetime.

How can I confirm a car is Cat N?

You can confirm a car is Cat N by running a vehicle history check using the vehicle's registration number. The check will show if the vehicle has been written off, the category of write-off (Cat N, Cat S, etc.), and the date of the write-off. This information comes from official UK insurance and vehicle databases.

Can I get finance on a Cat N vehicle?

Some lenders may provide finance for Cat N vehicles, while others may refuse or charge higher interest rates. The availability of finance depends on the lender's policies and the specific vehicle. It is advisable to check with lenders before committing to purchase a Cat N vehicle if you need finance.