Car insurance write-offs
If your car is damaged in an accident and you make a claim against your insurance company, the first thing the company will do will be to get an assessor to decide on the degree of damage, and if necessary provide a quotation for repairing it. It is highly possible that, even though the vehicle is repairable, it may be declared a write-off.
this is for vehicles which are so badly damaged that they are fit for scrapping only. They can never again be legally driven on a UK road and no parts can be salvaged from them for reuse, so these must also be destroyed.
Cat B vehicles are very badly damaged but some of the spare parts on them can be salvaged. However, the body itself must be crushed and scrapped so that the vehicle can never again be driven within the UK.
This is for those cars which are so badly damaged that they would cost more to repair than they were worth. However, sometimes these can be repaired if the owner is prepared to accept cheaper (including second-hand) parts or use cheaper labour. If the vehicle is repaired to a roadworthy standard it may be driven again; however repairs must be carried out professionally.
This is for a car which has been lightly damaged and which would normally be economicaly repairable. However, when other costs such as those detailed above are taken into consideration the insurance company may decide to declare it a write-off.
Cat S signifies structural damage and it has been brought out to replace the Cat C classification. The vehicle can be repaired and put back on the road, provided that the repairs are carried out to a sufficiently high standard so as to make it roadworthy again.
This signifies non-structural damage. The vehicle can be put back on the road if it is repaired to a roadworthy standard once again.