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Apologies if posted before but here are the changes recently made to the insurance "category" classifications. Yet another probably worthless rewrite of vehicle regs. Just a cheeky grab from a reputable source!
Insurance write-off (total loss) categories:
Category A write-off- These vehicles are usually burnt-out and they must be totally crushed including all spare parts
Category B write-off - These vehicles cannot return to road and the shell must be crushed, but their spare parts may be salvaged and sold for spares
Category S write-off - Repairable, but cost of repair is more than value of car. Possibly has some sort of structural damage (previously category C)
Category N write-off - Again repairable, but it would cost more than the car's value to fix. Probably doesn't have any structural damage (previously category D)
Insurance categories for other damage:
Category F car - These vehicles have minor fire damage and the insurers have decided not to repair them
Category X car - These vehicles are repairable and have minor damage
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1992 Chevy K1500
2006 Volvo XC70
1999 Daihatsu Hijet
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Alfa Romeo GTV6
Cortina XR6 Interceptor
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piguin
Part of things
Posts: 136 
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I almost pressed 'like' for you sharing the information, but decided to do it the old fashioned way - especially since I wasn't really thrilled with the changes.
Good to see that fire damaged vehicles now have their own marker, so that the buyer will know what to look for. Renaming categories C & D seems like one of those 'Ode to the Gods of Bureaucracy' that will simply make matters a bit more confusing for new buyers.
The one that I am most intrigued by though, is category X. Will that marker be applied to every car that gets a simple scrape at some point of its life, so as to look inferior in the buyers eyes?
P.S. Thanks for finding this
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This is some very useful info, I'll sticky this  |
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Cat A can also be given to cars involved in a fatality even if no damage.
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Oct 10, 2017 18:31:05 GMT |
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Please note the initial info is not 100% correct - So just to add a little to this
A- As stated above, no salvagable parts (usually burnouts but can be heaviliy damaged vehicles)To be crushed whole (after de-poluting)
B-As above, the vehicle has salvagable parts - shell is to be crushed (after de-poluting)
To be clear on S and N, costs have no bearing on the code (links to previous C & D are also incorrect, so to clarify
N - Non structural damage, can be anything but basically minor damage (think of it as not requiring jigging) There is more to it then that but that is in simple terms.
S - Structural, again as above - but think of it as needing jigging or re-alignment or some major structural part requires replacment. (again more to it but thats in simple terms)
It's basically to try and re-look at the issue where you would have a £40k value vehicle with £35k repair costs being a CAT D which many felt (incorrectly) that this was lightly damaged. Then you would have an older vehicle say £2k with £2 1/2K damage that was a CAT C.
I know which i'd prefer. Just the perception thats put there.
The mention of F & X is not part of the code and some insurance companies may use that for internal procesess. However when doing a check you will not see any mention of F or X. As an example of X, if a vehicle is stolen and paid out and then later recovered with little or no damage then it falls out of the code so some insurance companies apply an X just they can process the salvage.
No disrespect to the original poster but the definition of S&N is not correct...
Again CAT A for fatalities is not in the code, that is at the insurers discretion but is not a requirment of the code.
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You will find major salvage dealers such has Copart using the following in their description listings of damaged vehicles whilst also utilising the remaining categories has detailed above
X - Stolen Recovered Minimal Damage
U - Used Unrecorded
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oldisbetter
Part of things
If it has a ECU it's complicated :)
Posts: 474
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Apr 16, 2019 17:28:37 GMT |
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If you have a Category S write-off that you have purchased back from your own insurance what is required to make it road legal again? Do you have to contact the DVLA and inform them i am asking as a mate has a car that he wants to put back on the road and it seems to have very little damage, I could see no chassis damage just the rear apron and alloy bumper behind it.
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Jan 15, 2020 17:01:58 GMT |
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Edit: made a new post instead...
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Last Edit: Jan 15, 2020 17:34:23 GMT by sausage
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Dec 21, 2021 15:02:14 GMT |
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I'm looking for a new car for my wife and seen some potential cat N bargains. What are the real world issues with buying one? Will it bump up my insurance premium?
I'm not too bothered about resale value as we'll probably keep it a long time (we've have the current Touran nearly 12 years..)
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67 VW Split bus
69 Beetle Cab
96 Jeep Cherokee XJ Sport
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Dec 21, 2021 16:50:30 GMT |
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I'd call your broker/insurance co and ask the question.
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