If you’re browsing used car listings and see a vehicle marked as “Cat S,” you might wonder: what does that mean? Is it safe to drive? Should you avoid it?
In this guide, we’ll explain what a Cat S car is, how it gets that label, whether it’s safe, and what you need to know before buying one.
A Cat S car (short for Category S) is a vehicle that has been written off by an insurance company due to structural damage following an accident or incident.
The “S” stands for Structural. It means that the car has suffered damage to key structural components such as the chassis or crumple zones—but it can be professionally repaired and returned to the road.
The UK uses a set of write-off categories to classify the level of damage. Here's a quick breakdown:
So, while a Cat S vehicle has had serious damage, it can still be safely repaired and driven—as long as the work is done properly.
Structural damage includes parts like:
This type of damage affects the safety and integrity of the vehicle, which is why it must be repaired to a high standard.
You can—but with caution.
Yes—once it has been repaired and re-registered with the DVLA, a Cat S car is legal to drive. However, unlike Category N cars, a Cat S vehicle must be re-registered with DVLA after repair.
Also, it’s strongly recommended to have it inspected independently to ensure it’s roadworthy.
Absolutely. You must declare if the car is a previous Cat S write-off when insuring it. Failing to disclose this could invalidate your policy.
Some insurers may refuse to cover Cat S vehicles, or charge higher premiums due to the perceived risk.
It should always be disclosed by the seller. But to be safe:
Yes—if properly repaired by a qualified professional. Many Cat S vehicles are restored to safe, roadworthy condition.
But keep in mind:
A Cat S car can be a great deal if:
But it’s not for everyone. If resale value, insurance flexibility, or long-term reliability are your priorities, a non-categorised car might be a better fit.
Always do your homework, get the car checked by a professional, and never buy a Cat S vehicle without full history and repair documentation.
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What is a Cat S car?
A Cat S (Category S) car is a vehicle written off due to structural damage. It can be safely repaired and returned to the road after re-registering with the DVLA.
Is it safe to buy a Cat S car?
Yes—if the repairs were done professionally. Always ask for proof of repairs and get an independent inspection before buying.
Do I need to tell my insurer if I buy a Cat S car?
Yes. Insurance companies must be informed of a car's previous write-off status. It may affect your premium or coverage options.
What’s the difference between Cat S and Cat N?
Cat S involves structural damage, while Cat N involves non-structural damage like electronics or cosmetic panels.
Can you drive a Cat S car?
Only after it’s been repaired and re-registered. Once that’s done, it’s legal to drive—just make sure it’s roadworthy.
How much cheaper is a Cat S car?
Cat S vehicles are usually 20–40% cheaper than similar non-categorised models, depending on age, mileage, and repair quality.
