How does TotalSettle process an engineer's report?

Engineer reports are uploaded as PDFs and processed by AI extraction to populate the customer settlement page automatically.

Does the customer need to install anything?

No. The customer receives a branded link by SMS or email and completes the settlement entirely in their browser.

Can customers challenge the valuation?

Yes. The digital journey allows customers to accept or dispute the proposed settlement amount. If they challenge, the response is flagged for your team to review. No phone call needed.

What happens if the customer doesn't respond?

TotalSettle tracks response status in real time. Your team can see which customers haven't completed the journey and trigger reminders or follow up as needed.

How does TotalSettle integrate with our system?

You can create settlement links manually from the handler portal with no development work. Most operators start this way. If you'd like full automation, API integration with your claims system is available as an optional add-on, quoted separately.

Is the customer journey FCA compliant?

Every customer receives the same clear, consistent information about their settlement, including their rights and options. No variation between handlers. No gaps in disclosure.

How long does it take to get set up?

Most operators are live within a week. We configure your branding, set up the portal, and walk your team through the process. No IT project required.

Do we need to train our handlers?

Minimal training needed. Handlers simply trigger the link and monitor responses on the dashboard. The portal does the heavy lifting with the customer.

How Digital Total Loss Settlement Works

Total loss calls are eating your team's time.

Repeated outbound calls to confirm valuations customers don't understand

Handlers spending 20+ minutes per claim on back-and-forth

Through an open and transparent approach, we guide customers through this difficult journey. TotalSettle ensures everything is recorded and communicated, constantly developing to deliver a smooth experience.

TotalSettle removes all of that from your team's plate.

Three steps. That's it.

You send the link

Your system triggers a personalised SMS or email to the customer when a total loss decision is made.

Integrate with your existing claims system via API, or trigger manually from the portal. No development work needed to get started.

Customer confirms online

They review their valuation, answer a few simple questions, and confirm their decision in minutes.

The branded journey walks them through valuation, finance, salvage, and payment preference, all in under 5 minutes.

You receive the outcome

Acceptance, payment preference, salvage decision and finance details all captured and returned to your team automatically.

Results appear on your dashboard in real time. Export, report, or push back to your claims system via API.

What your customer actually sees

Your customer receives a branded SMS or email with a secure link. They review their vehicle valuation, confirm or challenge the amount, select their payment preference, declare any outstanding finance, and choose whether to retain salvage. The entire process takes under 5 minutes.

Review their vehicle valuation with full transparency

Accept or challenge the settlement amount

Declare any outstanding finance agreements

Choose whether to retain the vehicle salvage

Select their preferred payment method

Receive instant confirmation of their submission

White-Label Ready

Your brand. Their experience.

TotalSettle runs invisibly behind your operation. Your customers see your logo, your colours, and your company name at every touchpoint, from email to settlement confirmation.

Your brand, your portal

Upload your logo, set your brand colour, and customise the sender name. Every settlement link your customers receive looks and feels like it came from you.

Multi-tenant ready

Each organisation gets its own isolated environment with custom branding. Manage multiple brands or clients from a single platform without any overlap.

Branded communications

Settlement emails, portal headers, and customer confirmations all carry your company name and colours. No TotalSettle branding visible to your customers.

Optional API integration

Want full automation? Feed engineer reports straight into the platform as an optional add-on. Cases are created automatically, data extracted by AI, and branded settlement links sent to customers, quoted separately based on scope.