Write-Offs

When an insurer determines that the cost to repair a vehicle exceeds a certain percentage of its market value, the vehicle is declared a write-off. In South Africa, this doesn't necessarily mean the car is completely destroyed — the term covers a range of damage levels, from repairable cases to total losses. Understanding the write-off process is essential for making informed decisions about your settlement.

Many vehicle owners are caught off guard by a write-off declaration. You may not know that you can negotiate the settlement amount, that some write-offs can be legally repaired and returned to the road, or that there are important safety considerations around airbags and ADAS systems in written-off vehicles. The payout process, your rights, and the implications for your vehicle's future are all areas where knowledge makes a significant difference.

The guides below explain each aspect of the write-off process clearly, from understanding what the declaration means to knowing your options regarding payouts, repairs, and safety systems like airbags and advanced driver assistance.