What does Category S mean?
A Category S (Cat S) vehicle is a car that has suffered structural damage but has been deemed repairable by an insurer. The "S" stands for Structural.
Historically known as "Cat C", this classification was updated by the Association of British Insurers (ABI) to focus on the condition of the car rather than just the repair cost.
Common examples of Cat S damage:
- Twisted chassis frames
- Crumpled wing supports
- Damage to the B-pillar (where the doors hinge)
- Suspension mounting damage
Is it safe to buy a Cat S car?
Yes, but with extreme caution. Unlike Cat N (Non-structural), a Cat S car has had damage to the frame itself. If this hasn't been repaired by a professional using the correct jigs and welding standards, the car will not be safe in a crash.
Cargeni Tip: Never buy a Cat S car without seeing proof of the repairs (invoices or photos) and getting a professional inspection.
Does it affect insurance?
Most insurers will cover a Cat S car, but you may pay a higher premium. More importantly, the payout value will be significantly lower (usually 20-30% less) if the car is written off again.
Should you check the vehicle first?
Absolutely. Many sellers hide the Cat S marker to get a better price. A standard HPI-style check will reveal if the car has been recorded on the insurance database, even if the seller "forgot" to mention it.