Quick Answer
Cat N (Category N) means a car was written off by an insurer after non-structural damage — such as electrics, cosmetics, or bumpers — and has since been repaired. The chassis and frame were undamaged. It's legal to drive and sell, but the write-off marker permanently affects its value.
What Cat N means
Category N (Non-structural) is applied when a car is declared an insurance write-off but the damage did not affect any structural, load-bearing part. Typical Cat N damage includes cosmetic panels, lights, electrics, infotainment, airbags or bumpers.
The car was written off because the repair cost was uneconomical for the insurer relative to the car's value — not because it was unsafe. After proper repair, a Cat N car is perfectly legal to tax, insure and drive.
Is a Cat N car worth buying?
Cat N cars are generally lower risk than Cat S because the damage was never structural. They're often a smart buy if you want a newer car for less — discounts of 15–30% are common.
The catch is that 'non-structural' can still include serious items like airbags and safety electronics. Get evidence of what was damaged and repaired, check for warning lights on the dashboard, and always verify the Cat N status with an official history check.
Check if a car is Cat N
Confirm a car's write-off category and repair history before you buy — run a check on any UK reg.
Check if a car is Cat NFrequently Asked Questions
Is Cat N worse than Cat S?
No — Cat N is the less serious category. Cat N covers non-structural damage, while Cat S involves structural damage to the chassis or frame. Cat N cars typically hold slightly more value than Cat S.
Can you get finance on a Cat N car?
Sometimes. Many lenders avoid write-offs, but some specialist finance providers will fund a Cat N car, usually with a larger deposit or higher rate. Expect fewer options than for a clean car.
Will a Cat N car pass an MOT?
Yes, if it's been properly repaired. The Cat N marker itself has no bearing on the MOT — the car simply has to meet the same roadworthiness standards as any other vehicle.