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Car buying glossary · what it means

Insurance write-off

An insurance write-off is a car an insurer has declared too damaged to treat as a normal repair, graded A, B, S or N.

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What Insurance write-off means for you

Categories A and B mean the car must never go back on the road. A is scrap; B is broken for parts, with the body shell crushed. Categories S and N are repairable: S means structural damage, N means non-structural damage. Before October 2017 the codes were C and D.

A repaired Cat S or N car can be driven legally, but you must tell your insurer. Check the category before buying: the free check doesn't cover write-offs, but a Full Check (£9.99) does.

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