Cars written-off by insurance companies come in four bands and some are perfectly safe to drive once they have been repaired:
- Categories A & B are total write-offs because they have suffered irreparable damage. These cars should not be returned to the road.
- Categories S and N have been written-off because the cost of repair would exceed the value of the car. However, these cars can be repaired and driven perfectly safely, if need be.
S and N write-offs were recategorised from C and D write-offs in October 2017 when new insurance write-off categories were introduced to focus more on the condition of the car, rather than the cost of repairing it.
What's the difference between Cat S and Cat N write-off?
A car will be branded a Cat S (formerly Cat C) write-off if it is uneconomical to repair because it has suffered structural damage to any part of the vehicle's structural frame, including the chassis.
A car will be branded a Cat N (formerly Cat D) write-off if it is uneconomical to repair because it has it suffered non-structural damage and the vehicle's structural frame or chassis has suffered no damage.
Insurers often sell Cat S and Cat N cars for salvage, when someone else may decide to repair it If the car is repaired properly, there's no reason why you shouldn't buy it and run it.
Many people opt to buy write-offs or to have their own Cat S and Cat N write-offs repaired, reinsured and put back on the road.
There are many reasons for this. If you already own the car, it may hold sentimental value, be one of a kind, or you may think the former write-off would be cheaper to repair than buying a new car - because of that, many people are looking for cheap Cat S and Car N motor insurance.
How to get Cat S OR Cat N insurance
Adrian Flux can help you to insure any Cat S or Car N write-off, and provide a fantastic range of policy benefits and discounts.
Adrian Flux standard Cat S and Cat N car insurance policies can provide:
- Protected no claims discount
- Agreed value cover
- Cover for modifications
- 90 day European green card cover
- Limited mileage discount
- Owner's club discounts
- Cover for imports, classics and high-performance cars
Get a Cat S or Cat C insurance quote today
To find out more about Adrian Flux's Cat S and Cat N car insurance, or to get a quote, call 0800 369 8590.