Vehicle insurance categories

The only vehicle insurance category that we will accept for a licensed vehicle is:

Category N (formerly Category D)

• vehicles should have no sustained structural damage. The issue may be cosmetic, or a problem with the electrics that isn’t economical to repair
• do not assume such vehicles are drivable. Non-structural faults may include brakes, steering or other safety related parts
• vehicles need a written vehicle inspection report completed by an engineer qualified to assess the damage. It must confirm the vehicle's roadworthiness to our satisfaction

We cannot accept any vehicle that has a vehicle insurance category of:

Category A (unchanged)

• scrap only
• vehicle so badly damaged it should be crushed and never be on the road
• salvageable parts must be destroyed

Category B (unchanged)

• body shell should be crushed
• extensive damage, although some parts are salvageable
• should never be on the road
• reclaimed parts can be used in other vehicles for use on roads

Category S (formerly Category C)

• structural damage including a bent or twisted chassis, or a crumple zone that has collapsed in a crash
• damage is more than just cosmetic
• vehicle needs to be professionally repaired. It isn't safe to drive until repairs have been made