Quick Answer
Yes, you can insure a Cat N car. Most mainstream UK insurers will cover a properly repaired Cat N vehicle, though you must always declare the write-off status. Premiums are usually similar to a clean car, and specialist insurers can help if a standard insurer declines.
Insuring a Cat N car
A Cat N marker means the car had non-structural damage that was repaired. Because the structure was never compromised, most insurers are comfortable covering it. You simply need to tell them it's a Cat N vehicle when you get a quote — this is a legal requirement.
Some insurers may ask for proof the repairs were done to a proper standard, such as photos or receipts. A minority won't quote on write-offs at all, in which case a specialist write-off insurer will.
Will it cost more?
Often the premium is broadly similar to a clean car of the same value, though a few insurers load it slightly. The bigger financial effect is the car's reduced resale value, and the fact that if it's written off again the payout is based on its lower Cat N value.
Confirm a car's Cat N status
Check whether a car is really Cat N — and see its full write-off and repair history.
Confirm a car's Cat N statusFrequently Asked Questions
Do I have to tell my insurer a car is Cat N?
Yes, always. Failing to declare a write-off marker is non-disclosure and can void your policy, leaving you uninsured after a claim.
Is it harder to insure Cat S than Cat N?
Slightly. Cat S involves structural damage, so a few more insurers are cautious, but plenty still cover it. Both must always be declared.