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Learn insurer write-off categories, paperwork and next steps for Pretoria vehicle owners. Practical South Africa-focused advice on valuations, finance and salvage options.
Know insurer classifications and how they affect settlement and salvage options.
Obtain independent repair quotes and a written insurer breakdown before deciding.
Confirm finance impacts, deregistration and ownership transfer requirements in Pretoria.
When an accident or severe damage renders a vehicle uneconomical to repair, insurers may declare it a write-off. Understanding insurer-friendly vehicle write-off procedures in Pretoria helps private owners and fleet managers navigate offers, paperwork and practical decisions. This guide explains categories insurers commonly use, how valuations work in the South African context, and key steps you should follow after an insurer flags your car as a write-off.
Insurers typically classify write-offs by repair cost relative to market value or by safety/legal considerations (for example, structural damage). Common practical categories are: repairable (economic repair possible), salvage (parts or rebuild), and statutory (not roadworthy or legally unsafe). Pretoria owners should confirm the specific wording and thresholds their insurer uses in the policy document and settlement letter.
Deciding whether to accept an insurer settlement, repair privately, or sell the vehicle depends on repair estimates, your vehicle's market value and how you intend to use the car afterward. For many Pretoria owners with older vehicles or heavy structural damage, a cash settlement and selling as salvage can be simpler and lower risk than attempting a repair that may not restore full resale value.
| Scenario | Typical repair cost (R, estimate) | Estimated retained market value after repair |
|---|---|---|
| Minor panel and bumper damage | R5,000-R15,000 | ~85-95% of pre-accident value |
| Moderate structural/engine repairs | R20,000-R80,000 | ~60-80% of pre-accident value |
| Severe structural or flood damage | R80,000+ | Often substantially below pre-accident value |
Figures above are approximate and intended to illustrate relative scales in South Africa; individual quotes will vary by vehicle, parts availability and labour rates in Pretoria and surrounding areas.
| Damage type | Typical impact on insurer valuation |
|---|---|
| Cosmetic (panels, bumper) | Lower reduction; repairable quickly |
| Structural/chassis | Significant reduction; likely write-off |
| Flood / water ingress | Major reduction; electrical risks affect value |
| Fire | Often declared total loss; parts salvage only |
For practical guidance on selling damaged or non-running vehicles after an insurer decision, see the Sell Damaged Cars and Sell Non-Running Car resources on our site for options that can simplify the next steps: Sell Damaged Cars and Sell Non-Running Car.
Insurers assess current market value, repair estimates from accredited workshops, salvage value and legal constraints. In Pretoria, local labour and parts availability can affect repair cost estimates. Request a clear written breakdown from your insurer showing how the offer was calculated so you can compare options objectively.
For a broader view of how we handle paperwork and collection nationwide, including Pretoria, review our About / How it works page: About / How it works.
After an insurer write-off decision, there are specific legal and administrative tasks to consider. In South Africa, ownership transfer, deregistration and ensuring the vehicle is not illegally returned to the road without proper inspections are important. If the insurer pays you the market-value settlement, you will typically receive a letter of release and instructions for transferring ownership or surrendering the vehicle.
If your vehicle is financed, the insurer’s settlement usually goes to the finance company first. Pretoria owners should contact their lender immediately and obtain a settlement statement. Confirm whether there will be any shortfall owing after the insurer pays the outstanding balance and whether you are responsible for payment of that shortfall.
If you accept a cash settlement, the insurer will provide documentation to finalise the claim. If the insurer collects the vehicle, they may arrange salvage movement. If you sell the written-off vehicle privately or to a specialist buyer, ensure deregistration and transfer paperwork is completed to avoid future liability. For owners looking to sell quickly after a write-off, services that handle towing, paperwork and offer a transparent valuation can reduce the administrative burden - see our homepage for an overview of nationwide services: Sell Your Damaged Car home.
Example 1: A 2012 hatchback with front-end structural damage receives an insurer write-off valuation based on local market value in Pretoria (estimate shown in R). The insured requests the insurer’s calculation and a second repair estimate; the independent estimate confirms repair would exceed 70% of market value, supporting the insurer’s write-off category.
Example 2: A small fleet owner in Tshwane receives a salvage valuation for a mechanically totalled bakkie. By documenting service history and presenting competitive salvage quotations, the fleet manager negotiates clearer breakdowns of figures with the insurer before accepting the settlement.
For tailored help after an insurer write-off, the Sell Damaged Cars resource can explain options for selling salvage or retaining a vehicle in a compliant way: Sell Damaged Cars. If your vehicle is non-running and you prefer an immediate valuation and collection option, review the Sell Non-Running Car page: Sell Non-Running Car.
If you are in Pretoria and need to compare insurer paperwork or simplify the post-write-off process, checking independent repair estimates, keeping detailed records, and confirming transfer/deregistration steps are the most effective measures to protect your interests.
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Disclaimer: This content is for educational purposes only. Product availability, pricing, and specifications are subject to change. Always verify current details on the retailer's website before making a purchase. We may earn affiliate commissions from qualifying purchases.
Get answers to common questions about Legal And Paperwork
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What you see is what you get..
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Was great ?
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How long does it take to respond. I've been calling and no one respond
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Easy to sell and stress free from the paper work
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My name is Itumeleng Seloba and I just sold Toyota Etios to the company. The moment I expressed my intention to sell, my wife gave me the contact and ...
The service was excellent and the person who help me by the name of Cleavon was on spot was always in contact with me till the end
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Excellent service from Cleavan Schubart . Received my payment in full . Thank you.
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Verified customerAnees made it easy. It was an excellent service.
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Verified customerVery good service in the world of ****mers
Verified customerJosh was most helpful. Help me to gather paperwork and organising the collection of vehicle. Payment was prompt.
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Verified customerIt was too easy I can say they treat the customers with good heart and show love with their experience as I didn't get any complications..
Verified customerCleavon Schubart is a great consultant patient and easy to work with.
Verified customerWas serviced as I expected and paid as promised
Verified customerWe negotiated and accepted a fair offer. Communication was excellent and prompt throughout. I had everything explained clearly and the documentation...
Excellent service with a great turnaround time. Very hassle free and reliable.
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They gave me an offer on my car in May this year, I finally got over the car and asked for another offer 5 months later, Johan contacted me and the sa...
It was surprisingly quick and easy, and I didn't have to battle with phone calls with poor reception. Everything was handled digitally with quick resp...
It was a quick, quality and very sincere as well as trustworthy experience
Verified customerMy experience was so quick and easy. Abdul was assisting me all the way. And within 2 days my car was sold, picked up by the towing serves and money i...
Professional service from Johan and team; prompt and unambiguous. Great collection team as well, lead by Richard. Recommended.
Verified customerIt was good making business with you.. And the lady who assist me was very helpful and good I really appreciate her alot
Verified customerYou are truly professional and passionate and when we negotiated the money it was in before 48 hours were over....true to you word...I hope you will g...
They were very professional.
Verified customerMy experience with Joshua Murray was extremely positive. He was very helpful, gave me extra assistance when needed, was very polite and professional, ...
Not bad
Verified customerEasy experience
Verified customer<div>In terms of service I will rate them 5 stars. But am not happy with the price offering I had. I just had to accept it because I needed cash badl...
Tshidi was very professional throughout the whole process, explained every step clearly. Car was collected on time as arranged and payment very prompt...
Quick and easy...
Verified customerJohan brouwer did a good service for me
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AUCTION NATION IT THE BEST AUCTION IN TOWN. my name is Simangele Ntanzi I would like to say thank u( Tshidi Mashangoane) to the consultant who help m...
Clear communication and quick responses. Very friendly
Verified customerThe lady I dealt with was helpful, efficient and very good with her following up.
Verified customerDeciding to sell our car for s**** rather than fork out R150k to replace the engine (cracked piston on a Ford Ecosport a month out of warranty with no...
From the moment I started researching how to sell your damaged car, it seemed like it was going to be a stressful process… Turns out it’s just the opp...
I have received the best service ever From Tshidi Mashangoane . Everything happened as promised. Even the bank Notification
Verified customerJohan Bouwer assisted me with a seamless experience selling an old broken vehicle. I would highly reccomend getting in contact and asking for him if y...
Joshua was precise and helpful.
Verified customerThe process was quick and easy. I felt comfortable that I was dealing with an above board business. They tend to communicate almost exclusively with W...
The deal was streit forward. From tshidi mashangoane
Verified customerDealt with a lady by the name of Tshidi. She was great from the onset. Process was done via WhatsApp and her responses were always on time. I apprecia...
Aneese was amazing. He responds in no time and never keeps you waiting. He was willing to go the extra mile for us. I’d recommend Sell Your Damaged Ca...
Everything that was said,happen exactly like that.
Verified customerI dealt with a guy called John. I sold my bakie that was a write off. He got me the best quote possible went extremely fast without a lot of Hassel. ...
I would like to thank Mr. Anees Mayet for his professional manner in which we successfully conducted business. It is a quick and hassle free way to se...
Confirmation Message *Business Name:* Sell Your Damaged Car *Review:* The consultant was as responsive as could be and very helpful, even helping v...
Super easy, Johan explained everything that he needed from me. Collection was on time and very efficient. Payment once confirmed was on time . Thank y...
Very easy and fast,no hassle
Verified customerJohan was very professional and the service was amazing.
Verified customerTshidi Mashangaone she explained everything that I wanted to know about your sell your damaged car and we managed to make a deal that didn't even too...
Johan made the process seamless and easy and conducted the transaction professionally- Thank you! It might be worth considering real-time payments to ...
I dealt with a Gentleman called Cleavon and I am amazed at his service, as a service man myself I could believe his patience when I had to wait for my...
Worked with a buyer called Joshua who was extremely professional and helpful. The process of selling my damaged vehicle was quick and painless. Very h...
Excellent and professional service, within a day after processing documentations the vehicle was collected. The next day, the money was in my bank acc...
Their service was excellent. Abdul did a great job. We are very happy with everything
Verified customerIt was quick and painless, Anees was very professional, great service.
Verified customerAwesome service, reliable, friendly and quick payment
Verified customerFriendly and quick
Verified customerCleavon was a very friendly and expedient consultant. The sale process was very swift and the car was collected the same day. Cleavon was happy to of...
Johan was really professional dealing with me.Always responded either by phone or WhatsApp. To my questions.Thank you Johan for upholding the culture ...
I loaded all the information. Got a quick and professional response. The whole deal was handled in three days.
Verified customerVery helpful and patient people to deal with. They even sent a towing truck to collect our non runner vehicle that they purchased. Was the only compan...
I got prompt and professional service. From initial consultation to final collection and payment.
Verified customerGood day, it was a hassle free transaction with friendly staff who assisted with no effort.
Verified customerAfter completion of information online, the sales consultant was very helpful to kick start the process which lasted only a day and the second one was...
I dealt with Josh and he was very helpful, definitely going the extra mile. He also did a great job keeping me informed every step of the process.
Verified customerI have sent a request to Sell Your Damaged Car and they reply in no time. I was contact by Tshidi.. She was very professional in helping me. I have s...
Tshidi was very helpful and I enjoyed the experience
Verified customerIts easy trustworthy process
Verified customerI was assisted by Cleavan Schubart at Auction Nation to sell my vehicle. Man, what an excellent service and customer experience I got!! Just to name a...
Very quick and very professional.
Verified customerI was assisted by ubdull cool and always willing to assist and helpful.
Verified customerThe sale of my damaged car took about 3 days, and the money was in my account in less than 24hours after the car was taken. I'm happy with the servi...
They so fast and absolutely give you the great feedback of the vehicle ??
Verified customerThe process was smooth and quick. Joshua gave me great service and kept me in the loop throughout. To top it off, funds reflected even sooner than exp...
Ek het my 2011 Kia Cerato met ongeluk skade aan Hulle verkoop. Die span het my die hele tyd op datum gehou van wat gebeur wanneer! Beste diens ooit!
Verified customerI was assisted by the lady Tshidi Mashangaone to sell my Damaged Nissan NP200, the service was excellent, the Agent was friendly,helpful, and fast.. ...
All I can say is Tshidi gave us the best customer experience throughout the entire experience!!!! Both hubby and I got assisted by her with our car.
Verified customerExcellent service from Johan Bouwer. From start to finish kept me up to date regarding the transaction
Verified customerWas very pleased with the service
Verified customerI love the quick service. The payment took a while but I was always assured by Joshua. I can easily recommend your services. Thanks
Verified customerWe recently used their services to get rid of a vehicle with engine faults, the team guided us through the process. I being suspicious of all transact...
Very kind lady who assisted me. Quick, easy to understand and very friendly. Will recommend her to anyone who wants yo sell their damaged cars.
Verified customerThe service I received from sell your damaged car was excellent.I recently sold my vehicle to sell your damaged car thanks to Cleavan for his excelle...
The lady I dealt with, Tshidi, was very patient with me as I had no idea how this process worked. She also answered my messages within a few minutes. ...
Sold a non-runner to SYDC. Was concerned about the 24-48hrs payment delay after they tow the car away but Joshua Murray explained the process and I wa...
I just to thank Auction Nation for the great service they have rendered to me.I have been keeping my damaged car for about a year after tragedy accide...
Very efficient, professional and friendly service
Verified customerI had to get rid of my s**** car .joshua was more than helpfull to help .he made the process easy and smooth no problems or issues . Big shout to josh...
Everything was settled hassle-free and with assistance where needed. Thank you Joshua for excellent service, I will definitely recommend you to my fam...
The entire process from first contact to payment took 5 days. Very efficient.
Verified customerBaie goeie diens ontvang van Alicia, van begin tot einde. Geld oorbetaal soos belowe. Dankie.
Verified customerI was assisted by Tshidi, nice lady and very efficient. We did a great deal
Verified customerI really appreciated how Tshidi Mashangoane used check-ins to keep me up to date on the project of selling. It helped me consider our offer, and I’m e...
I sold my gamaged merc 230d monatic. The process was super and the payment i received in less than 3 days. They are straight forwad and keep their p...
I sold 2 damaged cars to Sell Your Damaged Car in January and March 2023 and received excellent service from Tshidi Mashangoane. She explained the pr...
I was assisted by Johan who was excellent and assisted me very well in service me when I was selling my car
Verified customerMy first dealing with these guys and I was impressed with their service and attitude. They bought my s**** car and paid me as promised and came to col...
I got exceptional service from Tshidi Mashangoane. The damaged car was fetched the same I accepted the offer. Thank you Tshidi
Verified customerThank you, Auction Nation, for handling my sale transaction quickly and professionally. Shout out to Faith Mauchaza for walking me through the whole p...
It has been a pleasure dealing with Tshidi Mashangoane . Very professional , friendly and helpful. Tshidi guided me through the whole process from sta...
I had an old damaged car that I wanted to get rid of. I interacted with Abdala who was quite professional and extremely patient. The quote seemed pret...
I received excellent customer service from Alicia the Sales Consultant. She guided me through the process, provided me with all the requirements and ...
After filling in their online form, I got a response on whatsapp within minutes with a consultant who stuck with me from start to end. Abdul was very ...
The whole experience of selling my car was so easy and efficient. I highly recommend.
Verified customerDealt with Tshidi who was very efficient,prompt to respond to my questions and always courteous.All time frames set were achieved and in some cases so...
Did what they said they would do. Josh was very good. Happy all round.
Verified customerI was not sure if this would work, but Alicia walked me through every step of the way. Alicia made the whole process of agreeing a price, doing the pa...
I dealt with Alicia from Sell your damaged car. What a superstar. From the start to the finish, she was on top of her game. Her requests were clear an...
I've driven my 2005 Porsche Boxster for eight happy years. But about three years ago the second gear wouldn't engage so I changed from 1st to 3rd with...
<div>I had the privilege of dealing with Alicia Coetzer at Auction Nation. What an experience; I am 72 years old and have had he car for 11 years. The...
I contacted them via their website and within shortly thereafter the instructions were sent via Whatsapp. Both vehicles were sorted out quickly and ef...
Shout out to Alicia from Auction Nation for a great service!!!!!!!!!!!!!!
Verified customerExcellent assistance by Alicia.
Verified customer
