What Does CAT D Mean on a Car

When buying or selling a used car, it’s essential to understand what it means if a vehicle is classified as a Category D (Cat D) car. This classification, part of the UK’s insurance damage categories, can significantly affect a car’s value, insurability, and safety. At Summit Garage, we aim to provide clarity on these topics so you can make informed decisions.

What Is a Cat D Car?

A Category D car is a vehicle that has been damaged in an accident but not to the extent that the cost of repairs exceeds its market value. However, the insurance company deemed it uneconomical to repair due to additional costs like vehicle recovery, storage, and administration.

While the damage is often less severe than other categories (like Cat S or Cat B), it is still crucial to understand the implications of buying or owning a Cat D car.

What Does Category D in Car Damage Mean?

Category D refers to non-structural damage. This means the car’s frame or chassis remains intact, but other parts may have been affected. Common examples of Cat D damage include:

• Minor bodywork damage (e.g., dents or scratches)
• Faulty electrics
• Damaged wheels or suspension
• Issues with airbags or interior components

Once repaired, a Cat D car can legally return to the road and be driven safely. However, it’s essential to ensure repairs have been completed to a high standard.

Category D vs. Category N: What’s the Difference?

Category D (Cat D) and Category N (Cat N) are closely related but differ slightly due to changes in the insurance classification system:

• Category D (Old System):
  • This designation was used prior to October 2017. It referred to vehicles with non-structural damage that were uneconomical to repair due to costs like recovery and storage.
  • The damage typically involved cosmetic, electrical, or minor mechanical issues, with no impact on the vehicle’s structural integrity.
• Category N (New System):
  • In 2017, the insurance categories were updated, and Category N replaced Category D.
  • Like Cat D, Category N refers to vehicles with non-structural damage. However, the new system emphasises that the car’s frame or chassis has not been compromised, providing clearer terminology.

In summary, Category N is the updated equivalent of Category D. If you come across a Cat D car today, it’s likely an older designation from before the system update. Cat N follows the same principle but is part of the modern classification system.

Why Are Cars Classified as Cat D?

Insurance companies classify a car as Category D when the repair costs, combined with associated expenses, make it uneconomical to fix. For example, if a car’s market value is £8,000, but repairs cost £6,000 and additional fees total £2,500, the insurer might declare the car a total loss and classify it as Cat D.

Is It Safe to Buy a Cat D Car?

Buying a Cat D car can be a great way to save money, as these vehicles often sell for significantly less than their undamaged counterparts. However, there are some essential considerations:

1. Thorough Inspection: Ensure the car has been repaired by a qualified professional. Request receipts or documentation for the work done.
2. Independent Check: Have the car inspected by a trusted mechanic to verify its condition.
3. Insurance Costs: Some insurers may charge higher premiums for Cat D cars, or they may refuse to cover them altogether.
4. Resale Value: A Cat D classification can reduce the car’s resale value, so factor this into your decision.

How to Check if a Car Is Cat D

If you suspect a car might be classified as Category D or want to verify its history, here are some steps you can take:

• Use a Vehicle History Check Service: Websites like the DVLA or private providers can reveal whether a car has been written off and its insurance category.
• Check the V5C Logbook: The car’s registration document might indicate its insurance classification.
• Ask the Seller: A reputable seller should disclose whether the car is a Cat D vehicle and provide proof of repairs.

Advantages of Buying a Cat D Car

1. Lower Price: Cat D cars are often cheaper than equivalent models without damage, making them an affordable option.
2. Roadworthy After Repairs: Once repaired, these vehicles can be just as safe and reliable as non-Cat D cars.

Disadvantages of Buying a Cat D Car

1. Insurance Issues: Higher premiums or difficulty finding coverage.
2. Resale Challenges: Lower market value and limited buyer interest.
3. Potential Hidden Damage: Ensure thorough checks to avoid unpleasant surprises.

Cat D vs. Other Categories

• Category A: Total write-off; must be scrapped with no parts salvageable.
• Category B: Severe damage; parts can be salvaged, but the car’s shell must be destroyed.
• Category S: Structural damage; can be repaired but requires a safety inspection.
• Category N (formerly Cat D): Non-structural damage; easier to repair and return to the road.

Is it Worth Buying a CAT D Car

At Summit Garage, we recommend considering Cat D cars as a viable option for budget-conscious buyers, provided you do your homework. Always:

• Inspect the vehicle thoroughly.
• Obtain a detailed history report.
• Factor in potential insurance and resale implications.

If you have questions about Cat D cars or need advice on your next purchase, visit Summit Garage. Our team is here to help you make an informed decision and find a vehicle that suits your needs and budget.