Insurance write-off cars can offer serious savings — but only if you know what you're doing. In this guide, we’ll explain exactly what write-offs are, the risks involved, and how to buy one safely and legally.
What is an insurance write-off?
An insurance write-off is a car that an insurance company has decided isn’t worth repairing after damage. This doesn’t always mean the car is scrap — sometimes it’s just a matter of economics. Repairs might cost more than the car is worth, even if the damage is minor.
Write-offs fall into different categories depending on the extent of damage (see below).
Insurance write-off categories
There are four main write-off categories:
- Category A: Scrap only. Cannot be repaired or returned to the road. Usually crushed.
- Category B: Body shell must be crushed. Some parts can be salvaged.
- Category S (Structural): Vehicle has structural damage (e.g., chassis) but is repairable and can return to the road if repaired properly.
- Category N (Non-structural): Vehicle has non-structural damage (e.g., electrical, cosmetic). Easier and safer to repair.
Only Category S and Category N vehicles can be legally returned to the road.
Pros of buying an insurance write-off
- Lower price: You’ll often pay 20–40% less than an equivalent undamaged car.
- Good for DIYers: If you’re handy with repairs or know a trusted mechanic, you could save even more.
- Hidden gems: Some write-offs have only cosmetic issues — think scratched panels or minor dents.
Risks and things to watch out for
- Safety concerns: Poorly repaired cars can be unsafe.
- Lower resale value: Even after a full repair, the car will always be worth less than a “clean” version.
- Insurance costs: Some insurers may refuse cover or charge higher premiums.
- Harder to sell: Buyers are cautious about write-offs, so selling might take longer.
How to buy an insurance write-off safely
Here are the steps to follow:
1. Check the Category
Make sure it’s Cat N or Cat S — A and B cars can’t legally be used on the road.
2. Get a Full History Check
Use services like HPI Check or AutoTrader to see:
Previous insurance write-off status
MOT history
Outstanding finance
Mileage discrepancies
Stolen status
3. Have It Inspected
Get a professional inspection or use a mechanic you trust. Ensure:
All repairs were done to a high standard
No structural or hidden damage remains
Airbags, brakes, and electronics are fully working
4. Look for Proof of Repairs
Ask for:
Receipts and invoices for parts and labour
Photos of the damage before repair
Repair certifications (if available)
5. Get Insurance Quotes Before Buying
Some insurers won’t cover write-offs, or they may charge more. Always check in advance — don’t assume your current insurer will say yes.
6. Make Sure It Passes an MOT
Even a Cat S or N car needs a valid MOT before going back on the road. For Cat S vehicles, the V5C (logbook) will need to be reissued after repairs.
Common red flags
- Seller won’t show pre-repair photos
- V5C doesn’t match the vehicle category
- Airbags missing or warning lights on
- Seller can’t explain who repaired it
- No warranty or test drive offered
Selling a write-off later
When it’s time to sell, you must legally declare the car’s write-off status. Expect a lower resale value, but if you’ve kept good records and the car’s in great condition, you can still get fair offers — especially from private buyers.
Where to buy write-offs
- Salvage auctions (e.g., Copart, ASM)
- Dealers specialising in repaired cars
- Private sellers – always be cautious
- Online marketplaces – filter by "Cat S" or "Cat N"
Buying an insurance write-off can be a clever way to save money — but only if you do your homework. Stick to Cat N or Cat S, always inspect thoroughly, and check insurance options before committing.
Done right, it can be a budget-friendly route to car ownership. Done wrong, it can be a costly mistake.
