CARCHECKHQ BUYING ADVICE

Cat S and Cat N write-offs: what buyers should check

How to read a damage finding without jumping to conclusions.

A recorded insurance write-off is significant information about a vehicle’s past. Read the category, date and source together.

The absence of a write-off record is not proof that a car has never been damaged. Repair, auction and insurer records can cover different events.

Ask for repair invoices, photographs and evidence of inspection. Verify the quality and suitability of repairs with an independent professional.

Use this guidance alongside the report coverage and limitations. See the sample vehicle report and report prices before choosing a check.

Further reading: GOV.UK checks when buying a used car.