Are Cat N cars more expensive to insure?
Is insurance higher on Cat N write off vehicle?
Asked on 13 February 2026 by Kim Shaw
Answered by
David Ross
A car with a Category N marker can be more expensive to insure, but it depends a great deal on the individual insurer as some may not calculate a Cat N car as being higher risk. We would suggest shopping around for quotes to get the best deal using price comparison sites and also searching for insurers that specialise in previously written-off vehicles.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
I know insurers require a new MoT for a vehicle that was a Cat N write off. They have given me 14 days to obtain one but is it a legal requirement? Could I still drive on the existing MoT? Also if it fails...
My car was damaged by another driver and they have admitted fault. I have been to the garage and they advise that the car is likely to be written off because of the cost of the repair (it is likely category...
My daughter bought back her Cat N write off Vauxhall Astra from Direct Line. Now her insurers have put her insurance up 300%. Is it because of the car being a written off?
Elsewhere on 
