When buying a used or salvage car, you may come across the terms Category S and Category N. These categories indicate that a vehicle has been damaged but may still be repairable. Understanding the differences between these classifications can help you make an informed decision when purchasing a car. In this guide, we’ll explain what Category S and Category N cars mean, their pros and cons, and whether they are worth buying.
What is a Category S Car?
A Category S (Structural Damage) car is a vehicle that has sustained structural damage in an accident. This could include damage to the chassis, crumple zones, or other load-bearing components. While the car can be repaired and put back on the road, it requires significant work by a professional.
Key Points About Category S Cars:
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The vehicle has suffered structural damage but is repairable.
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It must be re-registered with the DVLA before returning to the road.
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Repairing and reselling a Category S car can be cost-effective if done properly.
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Some insurance companies may be reluctant to cover these cars.
What is a Category N Car?
A Category N (Non-Structural Damage) car has suffered damage that is not structural. This means that while the car has been written off by an insurance company, the damage is usually cosmetic or mechanical rather than structural.
Key Points About Category N Cars:
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The vehicle has not suffered structural damage but may have electrical or mechanical issues.
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The car does not need to be re-registered with the DVLA after repairs.
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It can be cheaper to repair and put back on the road compared to Category S cars.
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May still have hidden damage that affects safety or resale value.
Should You Buy a Category S or Category N Car?
Both Category S and Category N cars can offer great value, but they come with risks. Here are some factors to consider before buying:
Pros:
✔ Lower purchase price compared to non-damaged cars.
✔ Potential for good deals if you have access to affordable repairs.
✔ Ideal for experienced mechanics or those comfortable with used vehicle repairs.
Cons:
❌ Higher insurance costs and limited coverage options.
❌ Possible hidden damage that may not be apparent initially.
❌ Lower resale value compared to cars without a salvage title.
How to Check a Category S or N Car Before Buying
If you're considering a Category S or Category N car, follow these steps:
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Check the vehicle history report to confirm previous damage.
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Get a professional inspection to identify potential issues.
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Calculate repair costs to ensure the purchase makes financial sense.
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Check insurance options, as some providers may charge higher premiums.
Final Thoughts
Buying a Category S or Category N car can be a great way to save money, but it requires careful research and consideration. Always verify the extent of the damage, check repair costs, and ensure you can get suitable insurance coverage before making a purchase.
