What is an insurance write-off?

An insurance write-off happens when the insurance company deems a vehicle is either too expensive or too damaged to repair, there are four categories for vehicle write offs.

CAT (categories) A, B, C or D

CAT A – these vehicles are not allowed to be put back on the road as the damaged they sustained would make them dangerous to drive, these vehicles can only be sold as scrap metal.

CAT B – again these vehicles are not allowed to be put back on the road, as the damaged sustained would also make them dangerous to drive, however any useable parts can be sold on.

CAT C – a vehicle which was damaged to a point, but the insurers have decided that the repairs would have cost more than the value of the car.

CAT D – a vehicle that would cost less to repair than the value of the car, but the repair cost was still deemed excessive by the insurer.

You may have seen CAT C or CAT D alongside some classified ads, this is perfectly legal and you are within your rights to buy or sell a CAT C or D vehicle just as long as you inform your buyer or are informed by the seller.

Please do remember though, any categorised vehicle has sustained damaged in some way so we recommend that you get a mechanic to check the vehicle over for you.