Cat S Cars Explained: A Comprehensive Guide Key Takeaways ▼Understanding Category S Cars: Cat S vehicles have sustained structural damage but can be repaired and put back on the road. They are usually cheaper than non-damaged cars, but it's crucial to understand the extent of repairs needed.Insurance Considerations: Cat S cars can be insured, but expect higher premiums or even difficulty finding coverage. Always compare insurance quotes before purchasing.Buying Tips: Although Cat S cars can offer savings, it’s important to thoroughly inspect the vehicle, preferably with a professional mechanic, to assess any hidden issues. What is a Cat S Car?If you’re looking to buy modified cars or used cars in the UK, you might come across terms like ‘Category S’ or ‘Cat S’. Cat S refers to a car that has sustained structural damage, making it more severe than superficial damage but still repairable. This classification is used by car insurance companies to describe vehicles that have been damaged in an accident, with a compromised structure such as the chassis or frame. However, after proper repairs, these vehicles can be roadworthy once again.The ‘S’ in Cat S stands for Structural, meaning the damage affects the car’s core integrity. Unlike Category N, which deals with non-structural damage like scratches or paintwork, Cat S vehicles have been through more significant incidents that require specific structural repairs. Typical damage might involve bent chassis rails or damage to the suspension mounting points—areas essential to the overall safety of the vehicle. Understanding Car Insurance Write-Off CategoriesCars that have been in significant incidents are assessed by insurance companies and classified into four write-off categories: A, B, S, and N. These categories reflect the extent of the damage and determine whether the car can be safely returned to the road.Cat A: The car is beyond repair and must be scrapped, including all parts.Cat B: Major damage has occurred, and the vehicle must be scrapped, but some parts may be salvaged.Cat S: Structural damage that can be repaired, allowing the vehicle to return to the road.Cat N: Non-structural damage, such as paint or electrical faults, which can also be repaired.For a Cat S car, it’s crucial to confirm that the repairs have been performed to a high standard. A poorly repaired Cat S vehicle could pose safety risks, so always opt for a professional inspection or an RAC/AA check before buying.Is It Worth Buying a Cat S Car?Purchasing a Cat S car can be a great way to save money if you’re aware of the potential pitfalls. On average, Cat S vehicles are priced 20-40% lower than their non-damaged counterparts, which makes them appealing for budget-conscious buyers. However, there are several considerations to take into account before committing to a purchase.Repair Quality: Always verify the quality of repairs. Ideally, you want to see documented evidence of the work done, including invoices from certified garages.Resale Value: Cat S cars tend to have a lower resale value. This might be an issue if you plan to sell the car in the future, as buyers may be wary of its history.Insurance: Not all insurers cover Cat S cars, and those that do might charge higher premiums due to the increased risk. It’s essential to compare different insurance providers to find a policy that suits your needs without breaking the bank. Common Issues with Cat S CarsWhile many Cat S cars can be fully restored to a roadworthy state, some may come with underlying problems that aren’t immediately visible. These include:Alignment Issues: Structural damage can affect wheel alignment, making the car handle poorly or wear tyres unevenly.Suspension Problems: If the vehicle has been in a serious accident, suspension components may have taken a hit and could wear out faster than usual.Hidden Rust: Areas affected by structural damage may be more susceptible to rust if not properly treated during repairs.For these reasons, always have a professional mechanic inspect a Cat S car before purchasing it. This can help uncover hidden damage and give you an accurate assessment of what you’re dealing with.How to Buy a Cat S Car SafelyIf you decide to go ahead with buying a Cat S car, follow these steps to minimise risks:Get a Vehicle History Report: Use services like HPI to ensure the car’s full history is transparent, including the details of its write-off status.Inspect Repairs Thoroughly: Ask for evidence of repair work and consider taking the car to a mechanic for an independent inspection.Consider Future Costs: Factor in the potential for higher insurance premiums and lower resale value. Make sure these costs don’t outweigh the initial savings. Cat S Car Insurance: What You Need to KnowInsuring a Cat S car can be more challenging compared to insuring a car without a write-off history. Due to the structural damage, insurers see these vehicles as higher risk, leading to increased premiums or, in some cases, refusal to provide coverage.Some insurance companies are more lenient with Cat S cars, especially if the repairs are certified and completed by recognised garages. It’s worth shopping around and comparing quotes from different insurers to find the best deal.ConclusionBuying a Cat S car is a cost-effective option, especially if you’re willing to do your homework and invest in a professional inspection. These vehicles often present excellent value, but the key is ensuring that all repairs were completed to a high standard, and the car is safe to drive.At ASM Performance Cars, we ensure that every vehicle in our inventory, including Cat S cars, has undergone thorough checks and repairs, giving you peace of mind. If you’re interested in buying a quality used or modified car, explore our website for some of the best deals available. FAQ's What is a Cat S car? A Cat S car is a vehicle that has sustained structural damage but has been repaired to make it roadworthy again. Can a Cat S car be insured? Yes, but insurance premiums may be higher, and some insurers may refuse coverage. Is it safe to buy a Cat S car? It can be safe if the repairs were performed properly and the car passes a professional inspection. What should I check before buying a Cat S car? Always check for documented repair work, get a professional inspection, and use an HPI check for the vehicle’s history. Why are Cat S cars cheaper? Cat S cars are typically 20-40% cheaper because of their accident history and the potential risks associated with previous structural damage. Share: