What is Category S and N Vehicles?

Categories S and N are the current insurance write-off classifications introduced in 2017. Category S (Structural) means the vehicle suffered structural or chassis damage but may be repaired and returned to the road if done professionally and re-registered. Category N (Non-structural) covers cosmetic or electrical damage where repair was deemed uneconomic. Both can be roadworthy after repair, but they must be declared and typically reduce resale value. They replaced the older Cat C and Cat D system.