Car Insurance Write Offs Explained

In this guide, from Hilton Garage, we’ll explain the four insurance write off categories: Cat A, Cat B, Cat S, and Cat N.

Category A is the most serious vehicle insurance category. These cars are destroyed and are unfit for the road. Not only are they unsafe to drive, but no parts can be salvaged either.

• Damage level: Extreme

• Can it be repaired? No

• Can parts be reused? No

• Can it be sold? No – must be scrapped.

Category B write-offs have major structural damage and are also beyond repair. However, some parts may be salvaged and reused. These cars are broken down for spares and then scrapped.

• Damage level: Severe

• Can it be repaired? No

• Can parts be reused? Yes

• Can it be sold? No – only for parts

Category S stands for Structural Damage. This means the car has suffered frame or chassis damage, but it can be repaired and returned to the road—if the repairs are done properly.

• Damage level: Structural

• Can it be repaired? Yes

• Can parts be reused? Yes

• Can it be sold? Yes – after professional repair
  This was formerly known as Cat C. It’s important to get any Cat S car checked by an expert before purchase.

Category N means Non-Structural Damage. These written off cars may have electrical issues or damage to important components like suspension or brakes, but the frame is intact. Like Cat S, these can be repaired and driven again.

• Damage level: Non-structural

• Can it be repaired? Yes

• Can parts be reused? Yes

• Can it be sold? Yes – after repair
  Previously called Cat D, these cars may seem like a bargain, but always check the quality of repairs.

Cat S and Cat N cars can be good value, especially if you’re on a budget. However, it’s vital to make sure they’re roadworthy. Before buying:

• Ask who repaired the vehicle

• Check that it’s been professionally repaired

• Get an independent inspection

Buying a poorly repaired car could cost you more in the long run.

Avoid Cat A and Cat B vehicles for road use—they are either too dangerous or legally can’t be sold for driving again. If you're looking for used cars in Derby, Hilton Garage offers a wide range of inspected vehicles to suit your needs.

Understanding vehicle insurance categories helps you make smarter buying decisions. Written-off cars might seem like a deal, but not all are created equal. Cat A and B cars are scrap, while Cat S and N can be roadworthy if repaired correctly. Always weigh the cost of repairs against the value and safety of the vehicle.

At Hilton Garage, we offer peace of mind with our Best Deal Guarantee, extensive warranty options, and the help of Motormoolah car buying tools to simplify your journey. Browse our range of used cars in Derby today and find a vehicle you can trust. Contact us!