Cat S vs Cat N write-offs explained (and should you buy one?)

When an insurer decides a car is uneconomical to repair, it gets a write-off category. The two you will see most on used forecourts are Cat S and Cat N.

Cat S (structural)

The car suffered structural damage — chassis, crumple zones, suspension mounts — but has been (or can be) professionally repaired. It must be re-registered with the DVLA before going back on the road.

Cat N (non-structural)

Damage was non-structural: cosmetic panels, lights, electronics, infotainment. No re-registration is required. A Cat N can be as minor as a written-off car with an expensive headlight assembly.

Should you buy one?

1. Expect to pay 20–40% less than an equivalent clean-history car.
2. Get an independent inspection — confirm the repair quality, not just the price.
3. Check it was repaired by a reputable body shop with documentation.
4. Remember resale is harder and insurance can cost more.

A well-repaired Cat N can be a smart buy. A badly-repaired Cat S can be dangerous. The category is the start of the conversation, not the end.