In the UK, a car insurance write-off is a specific definition. Cars can be categorised as write-offs after an accident, ranging from minor damage to beyond repair. What should you do if your car is deemed a write-off, and is it wise to purchase a Cat S or Cat N written off car?
🚗 What Is a Write-Off?
A car is “written off” when your insurance company decides it’s not financially viable to repair it after an accident, theft recovery, or other damage. This doesn’t always mean the car is undrivable — sometimes the repairs simply cost more than the car is worth.
Once a car is declared a write-off, you’ll usually receive a payout based on its market value at the time of the incident, minus any excess on your policy.
🛠 Types of Car Write-Offs in the UK
Car write-offs are split into four categories, set by the Association of British Insurers (ABI). These help buyers and insurers understand the extent of damage:
• Category A (Scrap): The car is beyond repair and must be crushed. No parts can be salvaged.
• Category B (Break): The body is too damaged to return to the road, but some parts may be safely removed and reused.
• Category S (Structural): There is structural damage (e.g. to the chassis), but the car can be professionally repaired and returned to the road.
• Category N (Non-structural): The damage is mostly cosmetic or to non-structural parts, such as electronics or trim. The car can be repaired and driven again.
💰 How Is a Write-Off Value Calculated?
Your insurer will look at your vehicle’s pre-accident market value — not what you paid originally or what you owe on finance. They’ll consider:
• The make, model, and year
• Mileage
• General condition
• Local market prices
You’ll usually be offered a settlement figure. If your car is on finance, the payout may go to the finance provider first, and you’ll be responsible for any remaining balance.
🚧 What If You Disagree with the Valuation?
If you believe your insurer’s offer is too low, you can:
• Provide evidence of higher market value (e.g. similar car listings)
• Share service history or proof of extras (e.g. new tyres, upgraded audio)
• Request a second opinion or formally dispute the offer
🔁 Can I Buy Back a Written-Off Car?
If your car is a Category S or N write-off, insurers may allow you to buy it back. You’d receive the payout (minus the car’s salvage value), then pay for repairs yourself.
You’ll need to:
• Repair it to roadworthy standards
• Pass an MOT (if applicable)
• Inform the DVLA and insurer
• Accept a potentially reduced resale value
📝 Does a Write-Off Affect My Insurance?
Yes — a write-off usually results in a claim on your record, which may increase future premiums. If you keep a repaired car that’s been written off, some insurers may charge more or refuse to cover it.
🔎 Key Takeaways
• A car is written off if it’s too expensive or unsafe to repair.
• There are four UK write-off categories: A, B, S, and N.
• Payouts are based on market value, not what you paid or owe.
• You can sometimes buy back a Category S or N car.
• Write-offs may affect your future insurance costs.
Need help understanding how a write-off affects your car finance or next vehicle choice? Get in touch with the team at Car Loan First — we’re here to guide you every step of the way.
