What Is A Cat D Car?

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When buying or selling a car, you may encounter terms like “Cat D”, referring to insurance categories assigned to vehicles after an accident or incident. A Cat D car is one that has been involved in a mishap, but the damage was not severe enough to affect its safety or structural integrity. However, the cost of repairing the vehicle was considered too high in comparison to its market value, leading the insurer to write it off.

Understanding Insurance Write-off Categories

In the UK, insurance companies use categories to determine the condition of a vehicle after an accident. These range from Category A, which applies to cars so badly damaged that they must be scrapped, to Category D (now replaced by Category N), which covers cars with non-structural damage that can still be repaired.

A Cat D car, therefore, has suffered damage that could involve cosmetic or electrical issues, or minor mechanical repairs. Importantly, the car’s structural integrity is unaffected, meaning it is still safe to drive once the repairs have been completed. However, insurers often choose to write off Cat D vehicles because the cost of repairs, combined with factors like replacement parts and labour, outweighs the vehicle's pre-accident value.

For example, an older car that requires new parts after a minor crash might be categorised as Cat D, even if the damage is relatively superficial. This doesn’t necessarily mean the car is dangerous to drive, but it has been deemed uneconomical to repair by the insurer.

The Shift from Cat D to Cat N

As of 2017, the insurance classification system was updated, and Category D was replaced by Category N. The distinction is largely the same—both categories apply to vehicles that have suffered non-structural damage, but can still be repaired and returned to the road. Despite the change in terminology, many older listings still refer to the previous Cat D classification, so it’s useful to understand what this means if you encounter it.

What to Consider When Buying a Cat D Car

There are both advantages and downsides to buying a Cat D car. Because these vehicles are considered less desirable due to their accident history, they tend to be priced lower than comparable cars without such a classification. For budget-conscious buyers, this can be an opportunity to get a vehicle in good condition at a reduced cost.

However, it’s important to proceed with caution. Before purchasing a Cat D car, it’s essential to gather as much information as possible about the nature of the damage and the repairs that were carried out. It is advisable to check the following:

  • Inspection and Repairs: Find out if the car has been professionally repaired and, if possible, obtain documentation proving the repairs were carried out to a high standard. This might include receipts, invoices, or an independent vehicle inspection report.
  • Vehicle History Check: Ensure you carry out a full vehicle history check to confirm the car's Cat D status and to see if there are any other issues such as outstanding finance or previous accidents that haven't been disclosed. A history check can also show if the car has been stolen in the past.
  • MOT and Service History: Verify the car’s MOT (Ministry of Transport) record and service history to ensure it has been maintained and is roadworthy. A vehicle with a solid MOT history is less likely to cause problems in the future.
  • Resale Value: Remember that, despite repairs, a Cat D car will usually have a lower resale value compared to a non-written-off vehicle. Even if it runs perfectly after the repairs, the Cat D status will remain on its record, potentially affecting its marketability in the future.
  • Insurance Costs: Some insurers may charge higher premiums for Cat D cars due to the increased risk associated with a vehicle that has been involved in an accident. It’s a good idea to check with your insurer before making a purchase to understand the potential impact on your premiums.

Should You Sell a Cat D Car?

If you're looking to sell a Cat D car, it’s essential to be transparent about its status. A potential buyer will likely perform a vehicle check that reveals the car’s history, so honesty is key to maintaining trust and securing a sale. Providing detailed documentation about the damage, repairs, and any inspections that have been carried out can help reassure buyers and make the sale process smoother.

A Cat D car is one that has been written off by an insurer due to the high cost of repairs, despite the damage being relatively minor and non-structural. These cars can be a good option for buyers looking for a deal, as they are often available at lower prices. However, it’s essential to be diligent when purchasing or selling a Cat D vehicle. Ensuring the repairs were carried out professionally and understanding how the write-off status affects the car's value are critical factors to consider.


Please note, we do not purchase Cat D vehicles. This article is solely intended to offer advice.