Cat S vs Cat N: buying a repaired write-off
The real difference between Cat S and Cat N, and how to tell if a repaired one is worth buying.
In short
Cat S means structural damage. Cat N means non-structural damage. Either can legally go back on the road once it's been repaired properly, but the category won't tell you how good the repair is.
The difference in practice
On a Cat S the frame, chassis or crumple zones were damaged, so the quality of the repair really matters for safety. Cat N can still involve brakes, steering, electrics or suspension. Don't assume it's just scratches.
Both sell for less than a clean equivalent, and you'll take that hit again when you sell. Some insurers charge more or won't cover them at all, so get a quote first.
How to decide
Find out what was damaged, who fixed it and which parts were replaced. Pre-repair photos and invoices are the best evidence you'll get. With a Cat S, get it looked at by someone who knows structural repairs.
- Category and loss date confirmed with a full report.
- Pre-repair photos and invoices seen.
- Insurance quote in hand.
- Price compared with a clean equivalent.
- Independent inspection if you're unsure.
The seller should tell you
A seller shouldn't hide a recorded write-off. If the advert doesn't mention it and the report shows a category, ask why before going any further.