Looking to buy a used car? You might have seen vehicles advertised for sale as ‘previously written off’ or categorised using a letter – ‘Cat S’, for example.
If a car has been written off, this means it was too badly damaged for an insurance company to repair cost-effectively. In other words, the cost of fixing the damage was more than the vehicle is worth. However, a write-off can be still repaired privately and returned to the road if you wish.
There are four categories of write-off in the UK. These reflect the severity of the damage, taking account of dangerous structural issues, along with the estimated cost of repair.
The UK’s car insurance write-off categories
The insurance industry and the Driver and Vehicle Licensing Agency (DVLA) use four write-off categories in the UK. In descending order of severity, these are:
- Category A: The most serious category. Category A write-offs must be crushed; the car can never be legally used on the road again. Parts cannot be removed from the vehicle, even if they appear to be salvageable.
- Category B: This signifies serious damage. Again, the car should never be used on the road again, and its body shell must be crushed. However, some parts may be removed from the vehicle to repair other cars.
- Category S (formerly known as category C): The car has suffered structural damage in an accident and would be uneconomical to repair, given its value. If repaired by a professional, however, it may be returned to the road.
- Category N (formerly known as category D): The least severe category. Damage is non-structural, but it could affect safety-critical features such as the car’s brakes or steering. Category N write-offs may be returned to the road, but not until they have been professionally repaired.
It’s worth remembering that a car’s value is a major factor in its likelihood to be written-off by an insurance company.
Putting it simply, a new supercar would need a lot of damage to make it a write-off. A £500 banger only needs a little cosmetic damage to be written off.
How do I know if a car has been written off?
Although owners should legally declare an insurance write-off when advertising a car for sale, some unscrupulous individuals may try to hide this information.
One way around this is search for a used car on Auto Trader, as all insurance write-offs are automatically declared. Alternatively, you could purchase a vehicle history check from a company such as HPI. The cost for peace of mind is around £20.
Should I buy an insurance write-off?
The only reason to buy a car that has previously been written off is because it’s considerably cheaper than an undamaged example. However, be aware that you’ll also have to declare it a write-off when you sell the car on – and that will affect its value.
Only category S and N vehicles (C and D under the old system) can legally be sold for use on the road. We’d want to fully understand what caused the damage and see evidence that the car has been repaired by a reputable body shop. You’ll also need to declare the write-off status to your insurance company.
What happens to my car after it’s written-off?
If your car has been damaged and the insurance provider deems it not worthy of repair, they will offer you what they consider to be the market value and essentially buy it off you. The car will then be sold at auction or scrapped, depending on the severity of the damage.
If you wish to keep the car, you may be able to buy it from the insurance company. It then becomes your responsibility to repair the car. Proceed with caution, as there may be extra damage – and thus expense – that isn’t obvious at first glance.
Again, you will also have to declare the car is a write-off when you insure it, and when the time comes to sell it.
ALSO READ:
Car finance: the differences between PCP, PCH and leasing
UK speed limits and speeding penalties: a quick guide for drivers