Category N write-off
Also known as: Cat N, Cat N write off, non-structural write-off
Category N means a UK vehicle has been written off due to non-structural damage - cosmetic, electrical or component-level - and can be repaired and legally returned to the road.
Cat N was introduced in October 2017 to replace the older Cat D classification. It covers vehicles damaged in ways that don't affect structural integrity: body panels, headlights, doors, interior trim, electrical systems, infotainment and minor mechanical components.
A Cat N vehicle is the most "buyable" of the four write-off categories. With a proper repair and a clear discount, it can be a sensible used purchase. The write-off marker is permanent, so resale price is typically 10 to 25% below an equivalent vehicle with no history.
As with Cat S, the key is full transparency. A reputable seller will declare the Cat N marker upfront and supply repair documentation. Always run a provenance check to confirm.
How-to guides
- How to check if a car is a write-off (Cat A, B, S or N)Check whether a car has been written off and which category it was given. See the category, insurer and loss date by registration, and what each category means.
- Should you buy a Cat S or Cat N car?How to decide if a Cat S or Cat N car is worth buying: the repair evidence to ask for, when to get an inspection, insurance and finance, and how to price it.
- Cat C and Cat D write-offs: what they mean on an older carCat C and Cat D were write-off categories until October 2017. What they meant, how they differ from Cat S and Cat N, and what to check on an older car.
- How to buy cars at a trade auction: maximum bid, buyer’s fees and checksBuy auction cars without overpaying: work out your maximum bid after buyer’s fees, prep and transport, read the condition report and check history first.
Related terms
- Category A write-offCategory A is the most severe UK insurance write-off classification - the vehicle must be scrapped in its entirety with no parts salvaged for re-use.
- Category B write-offCategory B is the second-most-severe UK write-off - the body shell must be destroyed but salvageable mechanical parts may be sold for use in other vehicles.
- Category S write-offCategory S means a UK vehicle has been written off due to structural damage but has been (or can be) repaired and legally returned to the road.
- HPI checkAn HPI check is a UK vehicle history report that confirms whether a car is stolen, has outstanding finance, has been written off, has mileage discrepancy, or has had its plate, colour or keeper details changed.