What Does CAT C Mean on a Car
If you’re shopping for a used car, you might encounter the term “Cat C” and wonder what it means. Although Cat C is an older classification (replaced by Cat S in 2017), understanding these vehicles is still relevant when buying second-hand cars. In this guide, we’ll cover everything you need to know about Cat C cars.
What is a Category C Cars
A Category C car is a vehicle that was declared a write-off by an insurance company because the cost of repairs exceeded its market value. However, unlike more severely damaged cars, a Cat C vehicle could be repaired and returned to the road after passing a Vehicle Identity Check (VIC) to confirm its safety and authenticity. The term Cat C has since been replaced by Cat S, which refers specifically to vehicles with structural damage.
Key Features of a Category C Car:
- Written off due to repair costs exceeding the vehicle’s value.
- Repairable and could legally return to the road after passing a VIC (under old regulations).
- Typically sold for much less than similar cars without damage history.
- May require careful inspection to ensure repairs were done properly.
How Does a Car Become Category C?
A vehicle was classified as Category C after sustaining significant damage that made repairs uneconomical based on the vehicle’s pre-accident value. Common causes include:
- Major accidents causing structural damage.
- Flood damage or fire damage requiring extensive repairs.
Cat C vs. Other Write-Off Categories
Understanding how Cat C compares to other insurance write-off categories (both old and new) is essential:
| Category | Meaning |
|---|---|
| Cat A | Vehicle must be crushed and cannot be reused. |
| Cat B | Car cannot be put back on the road, but some parts may be salvaged. |
| Cat C | Repair costs exceeded market value but could be repaired and used again (now replaced by Cat S). |
| Cat D | Repairable vehicle where costs were high but not necessarily more than the car’s value (now replaced by Cat N). |
| Cat S | Structural damage but can be repaired and resold. |
| Cat N | Non-structural damage, often cosmetic, but still classified as a write-off. |
Should You Buy a Cat C Car? Pros & Cons
If you’re considering buying a Category C car, here are the potential advantages and drawbacks:
Pros:
- Lower Purchase Price: Cat C cars are significantly cheaper than non-damaged equivalents.
- Potential Bargains: If repaired properly, a Cat C car can be safe and reliable while saving you money.
- Insurance Options Available: Many insurers still cover Cat C cars, though premiums might be slightly higher.
Cons:
- Lower Resale Value: Cat C cars often depreciate faster and can be harder to sell.
- Higher Insurance Costs: Some insurers charge more due to the car’s write-off history.
- Risk of Hidden Issues: Poorly repaired vehicles may have lingering safety or mechanical problems.
How to Check if a Car Is Cat C
When buying a used car, it’s important to check for any write-off history. You can:
- Use a vehicle history check service like HPI Check or Experian AutoCheck.
- Ask the seller directly about any previous insurance write-offs.
- Inspect the car for signs of major repairs, such as mismatched paint or uneven panel gaps.
- Get a trusted mechanic to conduct a thorough inspection before purchasing.
Final Thoughts: Is a Cat C Car Right for You?
Buying a Cat C car can be a great way to save money, but it’s not without risks. Before committing, ensure the vehicle has been properly repaired, thoroughly inspected, and is insured at a reasonable rate. If you’re unsure, consider consulting a professional mechanic for an independent inspection. With the right precautions, a Category C car can still be a smart option for budget-conscious buyers.