Introducing the New Category N

The Code of Practice for the Categorisation of Motor Vehicle Salvage is changing from 1^st October 2017.

It is ten years since the Code of Practice was last reviewed, and the new updated version introduces a major change to the salvage categorisation codes.

*As defined in version 10 of The Code of Practice for the Categorisation of Motor Vehicle Salvage released in September 2017

In this article, we would like to focus on Category N; which is one of the new categories to come into effect from 1^st October.

What is a Category N vehicle?

A Category N is defined by the Code of Practice as a ‘repairable vehicle which has not sustained damage to the structural frame or chassis and the insurer/self-insured owner has decided not to repair the vehicle.’

What is non-structural damage?

This is ‘cosmetic damage’ that has had no structural impact on the vehicle. This could include simple chips and scratches, bumper scrapes and dents, and in some cases minor scrapes and dents in panels.

A Cat N vehicle will have been inspected by an appropriately qualified person, who has declared the vehicle has not sustained damage to the structural frame or chassis and is suitable for repair.

Is Category N the same as the old Category D?

No. A Cat N is not a direct replacement for a Cat D.

A Category D was defined by the Code of Practice as ‘repairable total loss vehicles where repair costs including VAT do not exceed the vehicle’s pre-accident value (PAV).’

With a Cat D, the decision was based on repair costs but with a Cat N the decision is based on the extent of damage to the vehicle.

We will continue to provide information around the new Code of Practice in the coming weeks.