Cat A, B, S and N write-off categories explained

Insurance write-off categories describe damage severity and what may legally happen to the vehicle afterwards. Knowing your category tells you immediately who can buy it.

The four categories

Categories A and B date from before the 2017 reform and still apply; S and N replaced the old C and D.

  • Cat A — scrap only. The entire vehicle must be crushed; no part may be reused.
  • Cat B — the body shell must be crushed, but salvageable parts may be reclaimed and resold.
  • Cat S — structural damage that has been repaired or is repairable. Can legally return to the road.
  • Cat N — non-structural damage. Can legally return to the road, but may include safety-relevant items such as brakes or steering.

What it does to value

A recorded write-off marker stays with the registration permanently and reduces retail value materially, typically most on Cat S. For parts and rebuild buyers the marker matters far less than the actual condition of the components.

Selling a written-off vehicle

Declare the category up front. We buy Cat S and Cat N routinely, and Cat B for parts recovery through the correct channels. Cat A must go for destruction only — we will point you to the right route.

Buyer beware works both ways

If you are buying rather than selling, check the category before anything else. Our marketplace requires sellers to declare write-off status on every listing.

Common questions

Can I insure a Cat N vehicle?
Usually yes, though not every insurer will quote and premiums vary. Check before you buy.
Do I have to declare a write-off?
Yes. It is on the vehicle record, and concealing it puts the sale at risk.

Get an offer for your van

Value my van