Should I Buy a Cat S Car? What is a Cat S Car?

A decision on should I buy a Cat S car carries with it a set of unique considerations. ‘Cat S’, or ‘Category S’, refers to a vehicle that has suffered structural damage. While these cars have been professionally repaired and are legally back on the road, they carry a history that potential buyers should be aware of.

In this guide, we will answer what is a Cat S car, explore the pros and cons of buying a Cat S car, and provide tips on how to make an informed decision.

What is a Cat S Car (Category S)?

‘Cat S’, short for ‘Category S’ insurance write-off category, is a designation used by insurance companies in the UK to classify vehicles that have sustained structural damage. This refers to any damage to the integral framework of the car, including parts such as the chassis, crumple zones or suspension mounts.

Structural damage is more serious than cosmetic dents or panel scrapes. It can affect how the car performs in future collisions. That’s why insurers treat Cat S cars as high-risk, even after repairs.

It’s important to note that a ‘Cat S’ classification does not necessarily mean the vehicle is unsafe to drive. Instead, it signifies that the car has undergone major repairs to fix structural damage. This could have been caused by a variety of incidents, such as a severe collision, that at the time of the incident were deemed too costly to repair compared to the car’s value.

Can You Drive or Buy a Cat S Car?

Cars classified as ‘Cat S’ can be put back on the road, but only after they have been professionally repaired and undergone a Vehicle Identity Check (VIC) to verify their identity. This process ensures that the repaired vehicle matches its original specifications and is safe to drive.

However, buyers should approach ‘Category S’ vehicles with caution. Even though these vehicles have been approved for use, their history of significant damage and repair can lead to ongoing maintenance issues and potential difficulties with reselling in the future.

It should be noted that the VIC scheme ended in 2015 in Northern Ireland and 2017 in the rest of the UK. But the DVLA still records the Cat S status on the logbook (V5C). Buyers should check the V5C and the MOT history to understand a car’s past.

Insurance can also be trickier for Cat S cars. Some insurers may offer reduced cover or charge higher premiums. While others might refuse to insure them at all. If you’re thinking about buying one, always get a pre-purchase inspection and check with your insurer before committing.

Related: What is a Cat A, Cat B, Cat S, or Cat N write-off car

Pros of Buying a Cat S Car

Cheaper Purchase Price

Cat S cars are typically cheaper than similar models that haven’t been written off. This price reduction can make them appealing to buyers on a budget who are willing to take a chance on a repaired vehicle. Sometimes, buyers can save thousands compared to the same make and model. This makes Cat S cars attractive for first-time buyers, young drivers, or anyone looking for better specs at a lower price point.

Potential for High-Quality Repairs

If a Category S car has been repaired by a reputable garage or technician, it could offer good value. A thorough repair job could restore the vehicle close to its pre-accident condition. Often these cars are repaired using manufacturer-approved parts and methods, ensuring quality finish. And if there’s a detailed repair history and post-repair inspection report, a Cat S car may perform just as well as a non-damaged one.

Less depreciation

These cars tend to depreciate less than non-written-off cars, as they have already taken the biggest hit in value. If you’re planning to keep the car long term, this can be a good bargain. And because resale values are lower for every car, there’s less financial loss over time with a repaired Cat S car.

Cons of Buying a Cat S Car

Safety Concerns

Even though Cat S cars have been repaired, there is always a risk that the vehicle may not be as structurally sound as it was originally. This can lead to safety concerns for both passengers and other road users. This is especially true if there’s no repair history. Because repair quality varies significantly between garages, and without any proof of structural assessments, it’s hard to know if the car is completely safe or not. You have to weigh peace of mind against upfront savings.

Potential Hidden Damage

While all Category S cars must pass a VIC before they can be driven on public roads, this doesn’t guarantee the absence of hidden, unaddressed issues. Future mechanical problems could arise, leading to costly repairs. Sometimes these hidden issues appear after months of use, which can be annoying as you have to manage the budget for extra repairs or risk your safety.

Resale Difficulties

The ‘Cat S’ designation stays with the vehicle for life, which can make it more difficult to sell. Future buyers may be wary of the car’s history, which could limit its resale value. Even with receipts and proof of good maintenance, many private buyers and dealers still prefer clean-history cars. You may have to price the car lower or wait longer to find a buyer.

Insurance and Financing Challenges

Some insurance companies may charge higher premiums for a Category S written-off car, or may not insure it at all. Similarly, finance providers may be reluctant to offer credit on a Cat S vehicle, or they might apply higher interest rates. This can limit purchasing options if you’re not paying in full upfront.

5 Essential Cost Considerations When Buying a Cat S Car

When confronted with the question Should I buy a Cat S car, consider these factors:

Initial Purchase Price

Though Cat S cars are generally less expensive than their non-written-off counterparts, it is critical to ensure you’re getting a fair deal. Consider hiring a mechanic to inspect the vehicle before purchase. In reality, the lower price reflects the car’s history, but some sellers may overstate the quality of repairs. Comparing prices for similar Cat S models can help avoid overpaying.

Inspection Costs

Since Cat S vehicles have suffered structural damage in the past, it’s advisable to have the vehicle thoroughly inspected by a trusted mechanic before purchase. This will incur additional costs. That said, pre-purchase inspections can reveal the standard of repair and highlight if there is rushed workmanship. While it’s an added expense, it can help avoid more serious costs down the line.

Repair and Maintenance Costs

Remember, the VIC checks for roadworthiness, not for the quality of the repairs. There may be hidden damages or shoddy repair work that could result in high future maintenance costs. It’s worth factoring in potential suspension issues, uneven tyre wear, or electrical faults as well. Because all these are common in cars that have suffered structurally, but appear visually sound.

Insurance Costs

As already mentioned, insurance premiums for Cat S cars can be higher. It’s worth checking with several insurance companies to get an idea of what you might have to pay. Some insurers may require a specialist report before offering cover. And some don’t offer coverage at all. Checking in early helps avoid surprises down the line.

Resale Value

Cat S cars often have a limited audience due to their history, but the depreciation is less significant since it has already occurred. That said, Cat S car owners do get fewer private buyers and face tougher questions. That’s why documentation is so important. It can help answer all questions confidently.

Also Read: How Exchange My Car Makes Car Selling Hassle Free, even for Cat S cars

What to Check Before Buying a Cat S Car?

It’s highly recommended to thoroughly inspect a Cat S vehicle before deciding to purchase it. Here are some key considerations for this inspection:

Hire A Professional

To ensure a comprehensive inspection, it’s best to hire a professional mechanic or technician who has experience with Cat S vehicles. They will be able to identify any poorly done repairs or hidden damages that may not be immediately apparent.

Request Repair Documentation

It’s important to ask for documentation detailing the repairs completed on the vehicle. This should include what parts were replaced or repaired, and who did the work. This information can provide insight into the quality of the repairs and the integrity of the parts used.

Conduct a Vehicle History Check

Use the vehicle’s registration number to check its history online. This can reveal past accidents, MOT history, and whether there are any outstanding finance issues with the vehicle.

Examine the Vehicle Structure

Pay close attention to the vehicle’s structure. Look for signs of misalignment or uneven gaps between body panels, which could suggest poor-quality repairs.

Mechanical Check

Have the mechanic check the engine, transmission, suspension, and brakes carefully. These systems are vital for the car’s performance and safety, and any issues here could lead to significant costs down the line.

Check the Car Interior

Don’t forget to check the interior of the car. Look for signs of airbag deployment, which may not have been replaced or refurbished properly.

Test Drive

Finally, take the car for a test drive to get a feel for how it handles and performs on the road. Listen closely for any unusual noises and make sure all systems are functioning correctly.

By following these steps, you can make a more informed decision about whether a Cat S car is a good investment for you.

FAQ (Frequently Asked Questions)

What Does Cat S Mean?

Cat S stands for “structural damage.” It is a category used by insurance companies in the UK to classify cars that have sustained structural damage in an accident. Structural damage is any damage that affects the car’s chassis, frame, or other key structural components.

Which Cat is better, D/N or S?

Cat N (previously called Cat D) cars are generally considered to be better than Cat S cars. This is because Cat N cars have sustained only non-structural damage, such as damage to the bodywork or interior. Cat S cars, on the other hand, have sustained structural damage, such as damage to the chassis or frame.

Why Should I Buy a Cat S Car?

People mainly consider buying Cat S cars because they are often priced lower than equivalent non-accident-damaged vehicles. This can make them an attractive option for buyers on a budget or those looking for a more affordable option.

Are Cat S Cars Safe to Drive?

It depends on the extent of the damage and the quality of the repairs. Before purchasing a Cat S car, it is essential to have a thorough inspection done by a qualified mechanic or engineer. They can assess the damage and determine if the car has been repaired properly and is safe to drive.

Final Thoughts: Should I Buy a Cat S Car?

Ultimately, the decision to buy a Cat S car will largely depend on your personal circumstances and risk tolerance. These vehicles can often be a cost-effective alternative, particularly if you’re working with a tight budget. However, it’s crucial to remember that they carry a history of significant damage, which may contribute to potential future issues, even with professional repairs. Furthermore, such vehicles may also have a lower resale value. Essentially, there are pros and cons of buying a Cat S car.

It’s vital to thoroughly evaluate the car’s condition, have a trusted mechanic on board for inspection, and ensure that all crucial repairs have been carried out professionally.

If you’re prepared for potential risks and diligent during the buying process, a Cat S car might just turn out to be a worthwhile investment.

And if you’re on the opposite side of the deal and want to sell your Cat S car, use Exchange My Car’s free car value calculator. It’ll give an estimate of your car’s worth along with offers from reputable buyers who are willing to purchase from your doorstep.

For more tips on car buying and selling, check our blogs.