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What is Cat N (Category N)?

Category N ("non-structural") means an insurer previously wrote the car off, but the damage did not affect the frame, chassis, or structural safety of the vehicle — think cosmetic damage, electrical faults, or damage to parts like bumpers, doors, or trim that don't affect structural integrity.

Why would a car with "minor" damage get written off at all?

Insurers write a car off when the cost of repair is close to or exceeds the car's value — not necessarily because the damage itself is severe. A car with a smashed windscreen, flooded interior, or damaged electronics can be economically written off as Cat N even though none of that affects the frame.

What to check before buying a Cat N car

• Ask exactly what caused the write-off — flood damage carries different risks (corrosion, electrical faults appearing later) than, say, a cracked bumper.
• Get an independent inspection, particularly checking electrics if the cause was water-related.
• Confirm the repair was done properly and get documentation if possible.
• Expect a lower price than an equivalent car with no write-off history.

Cat N vs Cat S

Cat S ("structural") means the damage did affect the frame or chassis — generally considered more serious. See our Cat S guide for details.

For the full picture including Cat A, Cat B, and the older Cat C/D system, see our complete write-off categories guide.