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Difference between Cat C and Cat D

Difference between Cat C and Cat D

Cat C and Cat D are two different types of vehicle insurance. Cat C is the most comprehensive type of cover, while Cat D is the minimum required by law. This article will explain the difference between the two types of insurance, and highlight which one is better for your needs.

What is Cat C?

The Cat C insurance category pertains to vehicles that have been damaged or written off during an automotive accident. This classification indicates that the vehicle has sustained significant damage, so much so that the cost of repairing it exceeds its value. Cat C vehicles can still be salvaged for spare parts or rebuilt with new components.

The Cat C designation does not mean a car is automatically unsalvageable; rather, it should be considered on a case-by-case basis when assessing whether or not it should remain in circulation. Cat C cars tend to be more affordable than their Cat A or B counterparts since they require more extensive repairs, but they may also require additional maintenance and upkeep should they continue to be used on the road.

What is Cat D?

The Cat D insurance category is an interesting bit of knowledge for any motor vehicle owner. Cat D covers a unique situation wherein the insurer has declared that the cost to restore a car after an accident or theft exceeds its market value.

  • In this case, the insurer may decide to declare the vehicle a Cat D write-off, and will generally offer a sum of money to be used towards replacement rather than repair costs.
  • A Cat D automobile should not be confused with Cat C insurance, as Cat C denotes that repair costs are available in the event that restoration is warranted.
  • Cat D instead declares irreparable damage, thus mandating a replacement over a repair option. It’s important for any motor vehicle owner to understand Cat D and how it pertains to their automotive coverage, in order to ensure proper protection for themselves and their passengers alike.

Difference between Cat C and Cat D

Cat C and Cat D are types of insurance categories. Cat C covers vehicles that have been damaged beyond economical repair (BER). The vehicle, however, is still driveable even with all the damage, allowing policyholders to bring it to a scrap yard for recycling. Cat D, on the other hand, covers written-off vehicles that can no longer be driven.

Cat D may be purchased in cases where Cat C is deemed too expensive due to issues such as a car having high mileage or an owner wanting assurance on their investment. When considering car insurance policies, it is important to understand which type of Cat coverage you need.


So, what’s the difference between a Cat C and Cat D license? In short, a Cat C license allows you to drive medium-sized goods vehicles, while a Cat D license lets you drive large goods vehicles. If you want to learn more about each type of vehicle and their corresponding licenses, be sure to check out our previous post on the topic.

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