Write-Off Check
An insurance write-off is any vehicle the insurer decided was uneconomical to repair — or unsafe to put back on the road. Some are sold on legitimately at lower prices; others are dangerous, and a few are deliberately hidden by sellers. The RegRadar premium report queries the MIAFTR register to flag every recorded write-off category.
Write-off categories explained
The current ABI categories are: Category A (scrap only — cannot be repaired or resold), Category B (body shell crushed — usable parts only, never returns to road), Category S (structural damage — can be repaired and returned to road if done properly), and Category N (non-structural damage — repairable, often cosmetic or mechanical). Older Category C and D markers are equivalent to S and N respectively and are still reported.
Should you ever buy a Cat S or Cat N car?
Yes — but with eyes open. A well-repaired Cat N car (e.g. a damaged bumper and bonnet) at the right discount can be excellent value. A Cat S car needs much more scrutiny: ask for the repair invoices, get an independent inspection, and accept that resale value will be permanently lower. Avoid Cat A and Cat B vehicles being offered for road use — they should not be on the road at all.
Why hidden write-offs happen
Some sellers don't realise the car has a marker (it may have been written off in a previous keeper's hands). Others know and stay quiet. Either way, it is your responsibility to check. The RegRadar report shows the category, the loss date, the insurer where shared, and the recorded damage type.
What to do if the report shows a write-off
If the seller didn't mention it, that's a deal-breaker on its own — they were either dishonest or careless. If they did declare it, check the price against clean equivalents (typical discount: 20–40% depending on category and age), ask for repair documentation, and have the car professionally inspected before completing.
Frequently asked questions
Are Cat S and Cat N safe to drive?
Cat N covers non-structural damage and is generally safe once repaired. Cat S involves structural repair work — safe only if done correctly by a competent body shop. Always inspect repair quality.
Will write-offs always show up?
MIAFTR covers UK insurers. A car repaired without an insurance claim won't have a marker, even if it was previously badly damaged. Combine the write-off check with an independent physical inspection.
Can a write-off marker be removed?
No. Once a vehicle is on MIAFTR the marker stays for life. Anyone claiming to be able to remove it is misleading you.