What is a Category N Write-Off?

Thinking about buying a used car but noticed it’s a Category N write-off? Before you go ahead, it’s crucial to understand what this actually means and how it might affect you in the long run.

Category N write-offs are cars that have non-structural damage, meaning their core frame and chassis are intact. But don’t be fooled—just because a car is Category N doesn’t mean it’s a hassle-free purchase. There are still risks you need to be aware of.

In this guide, we’ll break down exactly what a Category N write-off is, how it differs from other categories, and what checks you should do before buying one. Plus, we’ll show you how to run a full vehicle history check using our write-off check to ensure you’re making a safe decision.

What Does Category N Mean?

When a car is written off, it means an insurance company has decided it’s not worth repairing based on its market value and repair costs.

With Category N (previously called Category D), the damage is non-structural—this means the chassis and main framework of the car are undamaged. However, that doesn’t mean the repairs will be cheap or straightforward.

Category N damage can include:

• Bodywork issues – dents, scratches, or paint damage.
• Electrical faults – problems with wiring, dashboard electronics, or sensors.
• Cosmetic damage – broken headlights, cracked bumpers, or minor panel damage.
• Mechanical issues – minor engine faults, faulty brakes, or steering components.

For a complete breakdown of all write-off categories, check out our full guide to insurance write-offs.

How Does Category N Compare to Other Write-Offs?

To help put things into perspective, here’s how Category N stacks up against the other write-off classifications:

• Category A: The car is completely destroyed and must be scrapped.
• Category B: Too badly damaged to drive, but some parts may be salvaged.
• Category S: The car has suffered structural damage and needs repairs before it can be driven.
• Category N: No structural damage, but repairs may still be costly.

If you’re unsure whether a Category S car is a better option, take a look at our guide to Category S write-offs.

Why Do Insurers Write Off Category N Cars?

Insurance companies write off cars based on costs, not necessarily on how bad the damage is. A car might be classified as Category N even if the issues seem minor, simply because repair costs are too high compared to the car’s value.

Common reasons for a Category N write-off include:

• Expensive replacement parts (e.g., high-end headlights or electronic modules).
• Labour-intensive repairs, such as complex electrical faults.
• Minor damage on older or low-value vehicles, where repairs cost more than the car’s worth.

Should You Buy a Category N Car?

A Category N car can be a good buy, but only if you do the right checks. Here are the pros and cons:

✅ Pros

• Lower price – You can get a good deal compared to an undamaged version of the same car.
• No structural damage – The main framework of the car is untouched.
• Possible bargain – If repairs have been done properly, it can be a safe and cost-effective purchase.

❌ Cons

• Lower resale value – Some buyers avoid cars with a write-off history.
• Potential insurance issues – Some insurers charge higher premiums or refuse cover.
• Unknown repair history – Unless you check the vehicle history, you won’t know how well it’s been fixed.

How to Check If a Car is Category N

Before buying, always run a full history check to confirm its write-off status. Here’s how:

1. Get the Vehicle Registration Number (VRN)

You’ll find the VRN on the car’s number plate or logbook (V5C).

2. Use a Trusted Write-Off Checker

A standard GOV check won’t give you full details—to see if a car is Category N, run a vehicle written-off check.

3. Review the Report

The history check will tell you:

• If the car has been written off.
• What category it falls under.
• If repairs have been recorded.
• Any past ownership or mileage discrepancies.

Final Thoughts

Category N cars can be a great way to save money, but only if you know exactly what you’re buying.

Before making a decision, run a full write-off check to avoid any nasty surprises.

Want to know more about how write-offs affect resale value? Read our car write-off history explained guide.