Category D is one of the 4 main categories of write-offs:
A ‘Cat D’ is a repairable vehicle where repair costs including VAT do not exceed the vehicle’s pre-accident value (PAV).
The vehicle can be repaired at a cost less than the vehicle’s pre-accident value. However, the vehicle is written off because other factors – such as the hire of a courtesy car for the owner or the time spent waiting for a specialist component.
Vehicles replaced under “new-for-old” insurance schemes are also classed as category D write-offs. Again, a category D write-off can be bought and repaired by the original owner or a third party.
The vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write-off.