Yes, you can insure a Cat N car, but the process is more complex and the outcome is less certain than with a car that has a clean history. Not every insurance company will offer a policy, and those that do will likely charge higher premiums. A Cat N (Category Non-structural) designation means the vehicle has been previously written off by an insurer due to damage that was not structural, such as hail, water, or theft, but was deemed uneconomical to repair. While it can be safely and legally repaired, its history significantly impacts insurance.
First, you must be completely transparent. When applying for a quote, you must declare the Cat N status. Failure to do so could invalidate your policy. You'll find that major comparison sites and standard insurers often automatically decline these applications. Your best bet is to contact specialist insurers or brokers who have experience with previously damaged vehicles. They will assess the car based on the quality of repairs and require a full inspection report from a certified engineer like those from the American Association of Motor Vehicle Administrators (AAMVA) to verify its roadworthiness.
The financial implications are clear. You will not get comprehensive coverage for the vehicle's pre-accident value. Insurers will only cover its current market value, which is substantially lower. Third-party, fire, and theft coverage might be the most viable and cost-effective option. The table below outlines key factors insurers consider versus a car with a clean title.
| Factor | Car with Clean Title | Cat N Car |
|---|
| Insurance Availability | Widely available from all major providers. | Limited to specialist insurers; many standard providers decline. |
| Premium Cost | Standard market rates based on driver and car. | Significantly higher premiums, often 20-50% more. |
| Coverage Type | Full comprehensive coverage readily available. | Often limited to third-party, fire, and theft; comprehensive is rare and expensive. |
| Payout Value | Based on the car's full market value. | Payout based only on the lower, salvaged market value. |
| Mandatory Inspection | Typically not required. | Almost always requires a passed inspection from a certified engineer. |
Ultimately, while insuring a Cat N car is possible, it requires more effort, higher costs, and results in less financial protection. It's a practical option primarily for buyers who secure the car at a deep discount and are willing to accept the limitations.
