What Are Vehicle Write-Off Categories?

Hoot hoot, future car buyer! Before you swoop in on what looks like a bargain, let me, Terry Twoo, the wisest owl in the motoring world, teach you about vehicle write-off categories—because not all "deals" are as sweet as a midnight snack. Some cars are good-as-new after repairs, while others? Well, they belong in the scrapyard quicker than a worm at sunrise.

If you’re wondering whether a car’s past is squeaky clean or a total train wreck, then you NEED to run a car history check—it’s the difference between finding a hidden gem and ending up with a lemon.

What Are Vehicle Write-Off Categories?

When an insurance company writes off a car, it doesn’t mean it’s game over—it just means the car has been through some trouble. But HOW MUCH trouble? That’s where write-off categories come in. Think of them like a pecking order of damage:

• Category A: This car is toast. Nothing can be salvaged. Straight to the crusher!
• Category B: The car is dead, but some of its parts can live on.
• Category S: The car’s bones are broken (structural damage) but can be repaired.
• Category N: The car’s body has taken a hit, but nothing that affects its core structure.

Still confused? Check out our deep dive on write-offs right here!

Category A: No Feathers Left to Pluck

Category A means one thing: game over. These cars are so wrecked, so utterly demolished, that they cannot and must not return to the road.

The Ugly Truth:

• Must be crushed. No salvaging, no tinkering, no second chances.
• Even the parts are doomed. You can’t pluck a single bolt from it.
• Usually caused by fires or catastrophic crashes. If it’s Category A, it’s been through the wringer.

Thinking of buying a Category A car? Don’t. Just don’t. It’s about as useful as a chocolate teapot.

Category B: Gone, But Not Forgotten

Category B cars are not roadworthy, but some parts are still in good shape. Mechanics and breakers love these cars because they can strip them for usable engines, seats, and other goodies.

What You Need to Know:

• The car itself is toast. It can never hit the road again.
• Parts can be sold or reused. Some of them are still in hoot-worthy condition.
• Great for spare parts. If you’re fixing up a similar model, this could be a goldmine.

Buying a Cat B? Only if you’re after parts. Otherwise, flap away from this one.

Category S: Damaged, But Not Doomed

Category S cars have structural damage, meaning their skeleton (chassis or frame) has taken a hit. But if fixed correctly, they can fly again.

What You Need to Know:

• Can be repaired and legally driven again.
• Must be fixed properly. Bad repairs = big safety risks.
• Think major accidents or heavy impacts.

Considering a Category S? Get proof of repairs and a full inspection. Learn more about these cars in our Category S guide.

Category N: It’s What’s Inside That Counts

Category N cars have no structural damage, just issues with bodywork, electrics, or minor mechanicals.

What You Need to Know:

• No chassis or frame damage. The skeleton is fine.
• Damage is usually cosmetic or electrical.
• Examples include broken lights, dented doors, or a dodgy infotainment system.

Buying a Category N car? Possibly a good deal! Just check for hidden gremlins first. More details in our Category N write-off guide.

Why You NEED to Check Write-Off Status Before Buying

Would you buy a house without checking for leaks? No? Then don’t buy a car without checking for write-offs! Here’s why:

1. Safety First

Some write-offs have hidden structural damage. You wouldn’t want your car folding like a deck chair, would you?

2. Insurance Could Be a Nightmare

Some insurers won’t touch written-off cars. Others will, but at higher premiums.

3. Resale Value Tanks

Write-offs lose value faster than a dropped sandwich. Be prepared for a hit when selling.

How to Check a Car’s Write-Off Status

Here’s how to avoid a clanger:

1. Grab the VRN

The Vehicle Registration Number (VRN) is your golden ticket to checking history.

2. Run a Full Write-Off Check

Use a proper write-off check tool like this one to see the car’s full past.

3. Read the Report

Check category, damage type, repairs, and past owners.

Final Hoot of Wisdom

Some write-offs are good bargains. Others? Money pits waiting to happen. The only way to know for sure? Run a car history check before you buy.

Hoot wisely, drive safely, and may your next car be a hoot-tastic deal!