What is a Category S Write-Off?

If you’re looking at a used car and see it’s been classified as a Category S write-off, you might be wondering: What does that actually mean?

A Category S write-off means the car has suffered structural damage but can be repaired and returned to the road. However, it’s crucial to check that repairs have been done properly—otherwise, you could be buying a car with serious safety risks.

This guide will explain exactly what a Category S write-off is, how it affects insurance and resale value, and how you can check a vehicle’s history using our write-off check.

What is a Category S Write-Off?

When an insurance company writes off a car, it means the damage is severe enough that repair costs outweigh the car’s value. Category S (formerly Category C) refers specifically to cars with structural damage, meaning the chassis or frame has been affected.

Unlike Category A or B write-offs, which must be scrapped, Category S cars can be repaired and legally put back on the road—but they need proper professional repairs to be safe.

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

Examples of Structural Damage

Structural damage can compromise a car’s safety, even if it looks fine after repairs. Examples include:

• A bent or twisted chassis (the core framework of the car).
• Deformed door pillars, roof supports, or crumple zones.
• Damage to subframes or structural crossmembers.

How a Category S Write-Off Affects the Vehicle

Buying a Category S car can come with some downsides. Here’s what you need to consider:

1. Safety Concerns

Repairs must be done properly—poorly fixed structural damage could put you at serious risk in another crash.

2. Lower Resale Value

Category S cars sell for less than similar cars without a write-off history. If you're buying, negotiate a lower price.

3. Insurance Costs

Many insurers charge higher premiums for written-off cars, and some may refuse to cover them altogether. Before buying, check out our guide on insuring a written-off car.

4. Harder to Sell

Some buyers avoid Category S cars due to safety concerns or financing restrictions.

How to Check If a Car is a Category S Write-Off

The best way to confirm a car’s write-off status is by running a full vehicle history check. Here’s how:

1. Get the Vehicle Registration Number (VRN)

The VRN is the key to accessing the car’s history—it’s on the number plate and logbook (V5C).

2. Use a Trusted Write-Off Checker

GOV checks only tell you basic details. To see if a car is a Category S write-off, use our vehicle written-off check.

3. Review the Full Report

A proper history check will confirm:

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

Should You Buy a Category S Write-Off?

Buying a Category S car isn’t necessarily a bad idea, but you need to be cautious:

1. Verify the Repairs

Ask for proof of repairs—if the seller can’t provide it, walk away.

2. Get an Inspection

A professional mechanic should inspect the car to check for hidden damage.

3. Check Insurance Costs First

Some insurers won’t cover written-off cars, and others charge way more. Read our guide on how to check insurance costs for written-off cars.

4. Negotiate the Price

Category S cars should always be cheaper than undamaged models. If the seller isn’t offering a discount, walk away.

Final Thoughts

A Category S write-off means the car had structural damage, but it can still be a safe and affordable buy—as long as repairs were done properly.

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

Want to know more about other write-off categories? Read our car write-off history explained guide.