Quick Answer
A write-off category tells you why an insurer declared a car a total loss and whether it can return to the road. The current UK categories are Cat A (scrap), Cat B (parts only), Cat S (structural, repairable) and Cat N (non-structural, repairable).
The four current write-off categories
A car becomes a write-off when an insurer decides it isn't economical to repair — but 'write-off' doesn't automatically mean 'scrap'. Two of the four categories (S and N) can legally return to the road after proper repair.
| Category | What it means | Back on the road? |
|---|---|---|
| Cat A | Scrap only — must be crushed entirely, no parts salvaged | Never |
| Cat B | Break for parts — shell crushed, components reusable | Never |
| Cat S | Structural damage, professionally repairable | Yes, if repaired |
| Cat N | Non-structural damage, repairable | Yes, if repaired |
Why write-off status matters when buying
A repaired write-off (Cat S or Cat N) can be a bargain, but the marker permanently reduces resale value and can complicate insurance and finance. A car that should never be driven (Cat A or Cat B) appearing for sale as roadworthy is a serious warning sign of fraud.
The only reliable way to know a car's status is an official history check — sellers don't always disclose it, and a repaired car can look flawless.
Check any car's write-off category
Instantly see whether a car is Cat A, B, S, N or clear — run a full check on any reg.
Check any car's write-off categoryFrequently Asked Questions
Which write-off category is the worst?
Cat A is the most severe — the entire vehicle must be crushed with no parts salvaged. Cat B is next, allowing parts to be reused but the shell destroyed.
Can I insure a repaired write-off?
Yes, most insurers cover repaired Cat S and Cat N cars, though you must always declare the status. A few specialist insurers handle write-offs if a mainstream insurer declines.
Does a write-off have to be declared when selling?
Yes. If you know a car has a write-off marker you must disclose it to a buyer. Hiding it can make you legally liable and void the sale.