Car insurance write-off categories can be intimidating for the uninitiated. Writing off a car is up there among every motorist's worst nightmare: you have a minor prang, and a few days later your insurer calls you to say that the damage isn't economically worth repairing, and your car needs to be written off. This can be deeply frustrating, especially when the damage looks to be cosmetic and has no bearing on either the car's roadworthiness or its resale value.
Category N The designation named Category N write-off replaced the old Category D and is used to describe vehicles that have received non-structural damage that the insurer has deemed not worth repairing. Though the damage may be less visibly severe than a Category S write-off, ‘non-structural damage’ could affect the electronics, brakes, suspension or mechanics of a car, so it will still usually need rectifying before it goes back on the road.
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