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If you’re considering buying a used vehicle, it’s crucial to check if the car is a Cat S write-off. Just enter the vehicle registration number above and upgrade to our Silver or Gold Check to instantly find out if the car has been classified as a Category S (Cat S) vehicle.

This guide explains everything you need to know about Cat S cars, how to check them, and whether it’s safe and smart to buy one.

What is a Cat S Car?

A Cat S car, or Category S write-off, is a vehicle that has suffered structural damage in an accident but is considered repairable by insurers. The "S" stands for Structural.

Structural damage can include issues with:
  • The chassis
  • Crumple zone deformation
  • Issues with suspension mounting points
While the car may be repairable, insurers often write off Cat S vehicles when repair costs outweigh the vehicle’s market value.

Is It Legal to Drive a Cat S Car?

Yes, a Cat S car can be driven legally on UK roads, but only after it has been fully repaired and declared roadworthy.

Once repaired:
  • The vehicle must pass an MOT test if it's over 3 years old
  • It must be taxed and insured
  • All repairs should be carried out by a qualified professional

Important: Unlike Cat A or Cat B vehicles (which must be scrapped), Cat S vehicles can be returned to the road once safe to drive.

Should You Buy a Cat S Car?

Buying a Cat S car can be a budget-friendly option, but there are important pros and cons to consider:

Pros:
  • Lower purchase price than similar non-damaged cars
  • Opportunity for savings if you’re a savvy buyer
Cons:
  • Lower resale value
  • Harder to get comprehensive insurance or full coverage
  • Risk of hidden or poorly repaired structural damage
  • Some finance companies won't lend for Cat S cars

How to Check if a Car Is Cat S

Before buying a used car, check its write-off status by buying a Total Car Check Silver or Gold Check by entering the registration number above.

This will reveal:
  • If the car is Cat S, Cat N, Cat B, or Cat A
  • Past accident history
  • Outstanding finance
  • Mileage discrepancies
  • Theft records

Can You Insure a Cat S Car?

Yes, but insurance for Cat S cars can be more complicated:
  • Fewer insurers may offer coverage
  • Premiums might be higher
  • You may be offered only third-party or third-party, fire, and theft cover
Always disclose the Cat S status when getting a quote — failure to do so could invalidate your policy.

What to Look for When Inspecting a Cat S Car

If you're buying a Cat S car, take these precautions:
  • Ask for full repair records and invoices
  • Check for a V5C logbook — it should now be updated post-repair
  • Get a professional vehicle inspection
  • Take it for a test drive
  • Review the MOT history

Is a Cat S Car Right for You?

A Cat S car isn’t necessarily a bad purchase, but it does carry more risk than a standard used vehicle. If you’re looking to save money, are confident in assessing repair quality, and plan to keep the vehicle long-term, it might be worth it.

However, if you’re unsure or plan to resell soon, you might want to consider other options.

Can I get finance for a Cat S car?

Some lenders allow it, but many won’t. Always check with the finance provider.

Does a Cat S car need a new MOT?

Only if the MOT has expired. A new MOT is not automatically required after repairs.

Will the V5C (logbook) say Cat S?

If the DVLA has been notified of the Cat S then a newly issued logbook for the vehicle should state this. However, there are cases where the DVLA is not informed. Therefore it’s important you don’t rely on the logbook alone.

Why Total Car Check?

Total Car Check was the first vehicle history check provider in the UK to provide a free stolen car check. Our mission is to protect car buyers and therefore we aim to include as much data as we can in our free initial check. We have been operating for over 10 years and our checks have won multiple awards for their accuracy and value.

So, what are you waiting for? Get your free car check and see what you find...

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What do we check?

50+ checks are performed including:

  • Stolen check (Police & insurance)
  • Written off vehicle check
  • Outstanding Finance check
  • MOT history records
  • All plate changes
View a sample report
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