Buying a used car can be stressful, especially if you encounter terms like CAT C. Understanding the CAT C car meaning, what it’s now called, and how to check a car’s history can help you avoid costly mistakes. This guide provides everything a driver needs to know before purchasing a vehicle with a previous write-off.
What Does CAT C Car Meaning Actually Mean?
A CAT C car refers to a vehicle that sustained significant damage in an accident but could be repaired safely. In the past, UK insurance companies categorised damaged vehicles as A, B, C, or D:
- Category A: Completely destroyed, cannot be repaired.
- Category B: Severely damaged, only suitable for parts.
- Category C: Repairable but written off due to repair costs.
- Category D: Minor damage, repairable at a lower cost.
Since 2017, the UK updated these categories:
- CAT C is now called Category S (structural damage).
- Category D is now called Category N (non-structural damage).
Although the terminology changed, many people still use CAT C when referring to previously written-off vehicles. Any car written off before the categories changed will still be referred to as a CAT C write off by insurers and vehicle history check providers.
Why Understanding CAT C Cars Matters
Drivers should understand the implications of buying a CAT C car. First, these cars often have lower resale values, even after repairs. Second, insurers may charge higher premiums, which affects ongoing costs. Finally, improperly repaired vehicles can pose safety risks. Knowing a car’s history helps you make informed decisions and protects both your wallet and your safety.
How to Check if a Car Is a CAT C Write-Off
You can verify a car’s history with a Total Car Check or similar service. Follow these steps to protect yourself:
1. Gather Vehicle Information
Collect the registration number, VIN (Vehicle Identification Number), and vehicle details such as make and model.
2. Run a Car History Check
Run a comprehensive Total Car Check Gold Check. Look for:
- Category S or N listings
- Previous insurance claims
- Mileage discrepancies
- Outstanding finance
3. Inspect the Car Physically
Check for signs of structural repair, such as uneven panel gaps, welding marks, or frame alignment issues.
4. Request Documentation
Ask for repair receipts and insurance records. Confirm that repairs comply with MOT and safety standards.
By taking these steps, you reduce risk and ensure the vehicle is safe and roadworthy.
Tips When Buying a CAT C/Category S Car
- Hire a professional mechanic to inspect structural repairs.
- Compare prices carefully; previously written-off cars should sell at lower rates.
- Check insurance quotes first; premiums may be higher due to previous damage.
- Verify MOT history; multiple failed MOTs may indicate ongoing problems.
- Confirm repair quality; structural issues require proper fixes to remain safe.
FAQs About CAT C Cars
1. Can I drive a CAT C/Category S car?
Yes, as long as it passes MOT inspections and repairs meet safety standards.
2. Will a CAT C car affect insurance?
Insurers often charge higher premiums, so always check quotes before purchasing.
3. Can CAT C cars be resold?
Yes, but sellers must disclose previous write-offs according to UK law.
4. How do I check if a car has been written off?
Run a Total Car Check to detect Category S listings and repair history.
5. Is CAT C the same as Category S?
Yes. CAT C was renamed Category S in 2017, but many people still use the older term and cars written off before the change will have CAT C on its record.
Conclusion
Knowing the CAT C car meaning helps you make smarter choices when buying a used car. Always run a Total Car Check, inspect vehicles carefully, and consult professionals if needed. By acting proactively, you protect your money, ensure safety, and avoid hidden problems that can arise from previous write-offs.
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