What is a written-off car?
When repairing a damaged car would cost more than it is worth, the insurer writes it off and records it on the insurance industry's write-off register. Some written-off cars are repaired and sold again, and the next buyer is not always told.
Write-off categories: Cat A, B, S and N
- Cat A: scrap only. No part of the car may be used again.
- Cat B: the body shell must be crushed. Some parts can be reused.
- Cat S: structural damage, such as to the chassis or frame. The car can be repaired and go back on the road.
- Cat N: non-structural damage. The car can be repaired and go back on the road.
Cat S and Cat N replaced the older Cat C and Cat D in October 2017. Cars written off before then still show the old letters.
How to check if a car is written off
- Enter the registration number above.
- Read the free MOT history: a long gap between tests can mean the car was off the road for repairs.
- Open the Premium report (£9.99) for the Cat S and Cat N check by registration, with the date of the loss.
What our write-off check shows
- Whether a write-off is recorded
- The category (A, B, S or N)
- The date of the loss and the insurer
- Where the car was damaged
The write-off check is part of the Premium report (£9.99), with the finance and stolen checks.
Should you buy a Cat S or Cat N car?
It can be a sensible buy if the repair was done properly and the price reflects the history: a written-off car is usually worth less and can cost more to insure. Ask for the repair invoices and have it inspected before you pay.
Tell your insurer about the category when you ask for a quote: some insurers will not cover a written-off car, and hiding it can void the policy.