Buying a Cat S or Cat N Insurance Write-Off Car Explained. Is Buying a Cat N or Cat S write-off a good idea? Are Damaged Repaired Cars bargain used cars or are they a nightmare?
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UK Car insurance write-off categories changed in October 2017, with Cat N and Cat S classifications replacing the former Cat C and Cat D
A Cat S car (formerly Cat C) has had structural damage from a crash (suspension, chassis, roof). Whilst a Cat S can be repaired and put back on the road they must be re-registered with the DVLA.

Cat N (formerly Cat D) covers all non-structural damage, bodywork, bumpers, mirrors, interior etc). Cat N cars can be put back on the road and do not need to be re-registered.

In both cases, your insurance company needs to be informed that the car has been a Cat S/N and they may insist on a new MOT. Insurance can generally be a bit more difficult to find for previously written-off cars, with some companies charging higher premiums or not covering them at all.

We look at how the price of the cars can be significantly less than an alternative used an example of similar age, mileage, and spec, and how to spot them. We also look at some simple precautionary measures to take if you’re considering buying damaged repaired cars : -

• Get the car inspected by a decent mechanic
• Ask to see the original insurance assessor's report which should list all of the original accident damage when it was written off.
• Ask to see photos of the damage.
• Ask to see proof of repairs/bills etc.
• Don’t forget to ask for all the usual things you would want with any used car like service history, receipts/bills, 2 keys, check previous MOT’s and mileage on them etc.
• Always get a car history check done – they are quick and cheap in the UK and will give you more details on the car's history.

In the event that your car is written off your insurance company will often allow you to buy back the salvage vehicle, you can also buy these via companies like Copart UK who are well known for selling Cat S and Cat N insurance write-off's. You can then look to get the car repaired, possibly using second-hand parts / copy parts / junk yard parts at a fraction of the cost of the insurance company doing it (they would always use OEM parts wherever possible).

A write-off, or Total Loss, happens when a car is involved in an accident or is damaged some other way and is either declared unsafe to repair (Cat A or B) or uneconomical to repair (Cat S or Cat N). So what do you think about buying a write off? is a damaged repaired car for you or not? these damaged repaired cars can be very good value for money if you're careful and find a good one but you can also be unlucky. Also remember the rules for selling one of these previously sritten off cars, you saved a bunch buying it so the next owner probably will too!, you must also declare that it's a Cat S or Cat N used car in any advertising you do.

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00:00 Intro
00:36 Why do they get written off?
01:25 Write off categories explained
03:15 Things to be aware of
04:48 Buying a Cat S or Cat N car
06:45 Searching AutoTrader
07:48 Pricing Examples / Comparisons
12:36 Summary

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This channel tries to deliver honest advice for real people. Remember that I am not a financial advisor or car finance professional and am therefore not qualified to give any kind of financial advice, views shown here are purely my own but you must make your own financial decisions. Always seek professional advice before entering a finance arrangement of any kind and seriously consider your financial position and the long-term affordability of any deal that you may enter into.

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