What Does Cat S Mean on a Car

When exploring the used car market, you might encounter terms like Cat S in the vehicle’s history. It’s important to know what this classification signifies to make an informed decision. In this guide, we’ll explain what Cat S stands for, how it impacts a car, and what to consider if you’re thinking about buying a Cat S vehicle.

What is Cat S?

Cat S, short for Category S, is a designation used by insurance companies in the UK to describe a car that has suffered structural damage. This means the damage affects the vehicle’s structural integrity, such as the chassis or frame, but it is deemed repairable.

Key Points About Cat S Cars

1. Structural Damage: The damage to a Cat S car involves essential structural components. This could include the chassis, suspension mounts, or any part critical to the vehicle’s overall structural safety.
2. Repairable: Although the car has sustained significant damage, it can be repaired and returned to the road. The insurance company has decided not to repair it due to the cost relative to the vehicle’s value.
3. Safety and Roadworthiness: If repaired to a high standard, a Cat S car can be as safe to drive as any other car. However, the quality of repairs is crucial to the vehicle’s safety and performance.

Does a Cat S Car Need to Be Inspected?

Yes, a Cat S car must be inspected after repairs to ensure it is safe to return to the road. This includes:

• Vehicle Identity Check (VIC): A mandatory inspection to verify that the car has been correctly repaired and is roadworthy.
• Professional Inspection: It is advisable to have a thorough inspection by a qualified mechanic to ensure all structural repairs meet safety standards.

Does a Cat S Car Need a New MOT?

A Cat S car does not automatically require a new MOT solely because of its Cat S status. However:

• Existing MOT: If the vehicle’s existing MOT is still valid, it remains valid until it expires.
• New MOT: After repairs, it is advisable to get a new MOT to ensure the vehicle meets all safety and roadworthiness standards, especially after significant repairs.

Does Cat S Affect Insurance?

Yes, the Cat S status can affect insurance in several ways:

• Higher Premiums: Insurance premiums for Cat S cars may be higher compared to non-written-off vehicles due to the history of the car.
• Limited Coverage: Some insurance providers might offer limited coverage or higher excess rates for Cat S vehicles.
• Disclosure: You must declare the Cat S status to your insurer. Failing to do so can lead to issues with claims and potential invalidation of your policy.

How Much Does Cat S Devalue a Car?

The value of a Cat S car can be significantly lower than a similar car without this classification. On average:

• Depreciation: Cat S cars can be devalued by 20% to 50%, depending on the extent of the damage and the quality of repairs.
• Market Perception: The stigma associated with structural damage can make it harder to sell the car, further reducing its market value.

Should I Buy a Cat S Car

Pros:

• Cost: Cat S cars are typically cheaper than non-written-off vehicles, providing a more budget-friendly option.
• Potential Bargains: If you have the expertise to assess and repair structural damage, you might find a bargain.

Cons:

• Resale Value: The Cat S designation can reduce the car’s resale value and may make it harder to sell in the future.
• Insurance: Insuring a Cat S car might be more expensive, and some insurers may refuse to cover it.
• Repair Quality: The quality of structural repairs can vary. Poor repairs can compromise the car’s safety.

Tips for Buying a Cat S Car

1. Professional Inspection: Have the car thoroughly inspected by a qualified mechanic or a specialist to ensure all structural repairs have been done correctly and the vehicle is safe.
2. Check the Repair History: Obtain detailed information about the damage and the repairs carried out. Look for receipts and documentation from reputable repair shops.
3. Understand Insurance Implications: Consult with your insurance provider to understand how the Cat S status will affect your premiums and coverage options.
4. Negotiate the Price: Use the Cat S status to negotiate a lower price. Sellers should be willing to offer a discount due to the car’s repair history.
5. Consider Future Resale: Be aware that selling a Cat S car in the future might be more challenging, and you may need to sell it at a lower price.

Purchasing a Cat S car can be a cost-effective option if you take the right precautions and understand the implications. Ensure the vehicle has been properly repaired and inspected to guarantee its safety. With due diligence, a Cat S car can be a reliable and economical choice.