Cat N car meaning | What is Cat N? | RAC Drive (2024)

Cat N car meaning | What is Cat N? | RAC Drive (1)

Dan Powell

Editor

23rd Jan 2024

What does a Category N write off mean? It is a question many car buyers ask themselves when they see a Cat N car for sale.

If a car is damaged in a road accident and is deemed to be uneconomical to repair by the insurer then it’ll be placed in one of four insurance write off categories.

Vehicles with non-structural damage are usually placed in Cat N, which means they can be returned to the road. However, if you are thinking of buying a Cat N then it’s important that you do some research, because these cars can present problems when it comes to maintenance, servicing and insurance.

That’s why we’ve put together this guide to help you understand what Cat N means and how Category N works.

What does Cat N mean?

A Cat N classification means that a vehicle that has been involved in an accident and written off by its insurer. The ‘Cat’ stands for category, while the ‘N’ stands for ‘non-structural damage’ to the body or chassis. This means the core safety structure of the vehicle has not been damaged but the insurer has deemed the car beyond an economical repair.

What is the difference between Cat N and Cat D?

Cat N replaced the Cat D write off category in October 2017. Like Cat N, the old Category D marker was used to identify vehicles that were written off with light or cosmetic damage.

Cat N was introduced to make it clearer the written off vehicle had not suffered structural damage.

Cat D cars are becoming increasingly rare, but some older vehicles that were written off and assessed before October 2017 may still have the old marker and be described as Cat D or Category D.

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What is Cat N damage?

A Cat N vehicle has not experienced significant structural damage. This means the integrity of the chassis or frame of the vehicle remains intact, but the vehicle may have experienced cosmetic bodywork damage or has a problem with its suspension, steering or brakes.

Can a Cat N car be returned to the road?

Yes, a Cat N car can be returned to the road, but it must be repaired to a safe and correct standard. The car doesn’t need to be re-registered, but the Driver and Vehicle Licensing Agency (DVLA) must be notified of its Cat N status before it’s used on the public road again.

Should I buy a Cat N car?

Cat N cars are usually offered with significant discounts, which makes them tempting options for car buyers who are looking for a bargain. However, while some Cat N cars will provide many years of trouble-free motoring, it’s important that you do some research before choosing one.

For example, a car that has been written off by an insurer and given a Cat N classification should have a comprehensive history file that documents its damage and repair history. The car should also have a valid MOT.

The seller may not necessarily tell you how the vehicle was damaged, but they should be able to demonstrate it’s been repaired properly. The vehicle should also have a service history and an up-to-date V5C logbook.

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How can I check if a car is a Cat N?

If you are unsure about a car’s history, get an RAC car data check to confirm its past. Buying a Cat N car that has not been fixed to a high standard could leave you out of pocket and stuck with a long list of costly problems that will wipe out any savings that you may make on the purchase price.

Are Cat N cars more expensive to insure?

Cat N cars can cost you more to insure. Some insurers refuse to cover Cat N vehicles, while other companies will ask for it to be checked by a qualified expert.

If your insurer asks for a report on the vehicle’s mechanical condition then the RAC offers vehicle inspections, which can assist.

How can I remove a Cat N from a car?

You cannot remove a Cat N or Category N marker from a vehicle in the UK. Once applied by the insurance company, the Cat N market remains in place for the remainder of the life of the car.

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Cat N car meaning | What is Cat N? | RAC Drive (2)

Cat N car meaning | What is Cat N? | RAC Drive (3)

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Cat N car meaning | What is Cat N? | RAC Drive (2024)

FAQs

Cat N car meaning | What is Cat N? | RAC Drive? ›

A Cat N car has been 'written off' by an insurer. What's an insurance write-off, you may ask? Well, it's a car that has been damaged beyond economic repair. In other words, the insurer has decided that it's too expensive to get the car fixed and back on the road, making a payout to the owner instead.

What does cat mean in my car? ›

A catalytic converter is an emissions-control device. It looks a little like an exhaust muffler and houses expensive natural elements, which chemically treat exhaust gases to reduce noxious pollutants.

Is it okay to buy a car with structural damage? ›

When structural damage occurs, the vehicle is typically considered no longer safe to drive and should be avoided during the purchasing process. Structural damage can also lead to significant repair and replacement needs in the future, which means any savings from purchasing a damaged vehicle will be short-lived.

What is no cat in a car? ›

Catalytic converters in vehicles are responsible for converting nitrogen oxides, hydrocarbons, and carbon monoxide into harmless water and carbon dioxide. You can technically drive without a catalytic converter, but doing so would be illegal.

What does cat 1 mean on a car? ›

Category 1 The total weight of the vehicle/s carrying the load must not exceed 46,000 kilograms and vehicle/s must have at least 5 axles. However, this limit can be increased to 50,000 kilograms if the vehicle/s carrying the load has at least 6 axles.

Does my car need a new catalytic converter? ›

Problems with your vehicle's catalytic converter might first become apparent through poor acceleration, a rotten-egg smell from the exhaust, or the check-engine light coming on.

Will a new catalytic converter improve emissions? ›

Over time, the catalytic converter becomes less effective at its job, leading to increased emissions. It may even reach the point where your car no longer passes emissions tests and therefore fails inspection. In that case, the best solution may be to replace the catalytic converter.

Can you fix structural damage on a car? ›

It's possible for a trained mechanic to repair a car that's had structural damage. Though damaged sections of a unibody frame can be replaced, driving a vehicle that's undergone structural damage should be considered a safety risk.

What makes a car unfixable? ›

A car becomes unrepairable when it sustains damage that compromises its structural integrity or when repair costs exceed its value. This includes a severely bent frame, extensive corrosion, the deployment of airbags, severe engine or transmission system damage, and more.

What is major structural damage on a car? ›

Structural damage refers to any impact on the vehicle's frame, the backbone of your car. It could be a visible crumple, a major dent, or even an inconspicuous flaw that could potentially hinder the car's mobility. These subtle signs are like alarm bells, warning you or a mechanic to check for potential frame damage.

How does a car act when the catalytic converter is gone? ›

The first sign of a stolen catalytic converter is incredibly loud vehicle noises. You will find that when driving without your catalytic converter, it will sound like your vehicle is roaring—especially when starting or giving it gas.

Is there a catalytic converter cleaner that actually works? ›

Fortunately, a product like the Rislone Cat Complete Fuel, Exhaust and Emissions System Cleaner 16.9oz can help switch that light off and clean out the soot, carbon build-up, and residue in your fuel system.

How long can I go without replacing a catalytic converter? ›

Catalytic Converters are estimated to last at least 10 years, but they don't need to be replaced as soon as those 10 years are up. It just needs to get replaced when you begin to notice these problems occur and if it's suggested by the service technicians.

What is a cat n? ›

A Cat N car, short for Category N car, is a term used by car insurance companies to describe 'non-structural' damage to a vehicle. 'Non-structural' means that a car's structural frame or chassis have not been damaged in an accident.

What does n mean on a car? ›

N – Neutral: If you want to take a break from driving or need to coast downhill, you can put your car into neutral. Just be sure to shift back into "D" before you start accelerating again. · R – Reverse: You'll only use this gear when backing up.

What does N1 mean on a vehicle? ›

In general, motor vehicles designed and built to transport goods, having at least 4 wheels and mass not exceeding 3.5 tonnes, lie within the N1 type approval (truck) category in international classification. These means vehicles with N1 type approval can be driven by holders of a normal driving licence.

What does cat mean for car? ›

Cat A – Car has suffered severe structural damage and cannot be repaired. Cat B – Car cannot be repaired, but it can be stripped for parts to use on other cars. Cat S – Structural damage that can be repaired. Cat N – Non-structural damage that can be repaired.

Why is there a cat in my car? ›

Why Do Cats Hide in Car Engines? Cats and kittens, especially strays, seek out warm shelter in the colder months. When cars are left on the streets, driveways, or even easily accessible garages, cats will gravitate to the warmth.

Is a cat delete worth it? ›

It's no surprise that removing the catalytic converter (the part of your exhaust system that transmits harmful gasses into less harmful ones) will result in poor vehicle emissions. Your car will continuously be emitting harmful toxins into the environment.

What does cat mean on car scanner? ›

Catalyst Monitor (CAT)

The catalytic converter is a device that is installed downstream of the exhaust manifold. It helps to oxidize (burn) the unburned fuel (hydrocarbons) and partially burned fuel (carbon monoxide) left over from the combustion process.

References

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