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What is a CAT N car?

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CAT N, also known as Category N, is a term used in the United Kingdom to classify cars that have been involved in accidents or suffered damage but are deemed repairable and safe to return to the road. CAT N stands for “Non-structural” and is one of the categories used by insurance companies to classify damaged cars.

When a car is classified as CAT N, it means that the damage it has incurred is primarily cosmetic or non-structural in nature. This could include damage to the bodywork, interior, or electrical components of the car. However, CAT N does not indicate any damage to the structural integrity of the car.

Once a car is classified as CAT N, the insurance company typically deems the cost of repairing the car to be higher than its pre-accident value. Therefore, instead of repairing the car themselves, the insurance company often writes it off and pays the owner a settlement amount based on the car’s market value at the time of the accident.

After being classified as CAT N, the car can be repaired by a professional and undergo an inspection to ensure it meets the necessary safety standards. Once the repairs are completed, the car can be returned to the road. However, it’s important to note that buyers should be aware of the CAT N classification when purchasing such cars, as it can affect the resale value and may have an impact on insurance premiums.

It’s essential to consult the specific regulations and guidelines provided by the relevant authorities or insurance companies to understand the exact criteria and processes involved in classifying and repairing CAT N cars, as they can vary.

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