MONEY LEFT ON THE TABLE

Recovery fails more often through drift than through dispute.

Most unrecovered outlay is not lost to a strong defence. It is lost because the evidence was never gathered, the file was never pursued, or the claim was written off as too small to chase. Recovery works when it starts at notification and keeps moving.

Establish

The liability position is built from evidence captured at the outset.

Pursue

The party at fault or their insurer is pursued persistently.

Recover

Outlay and uninsured losses are recovered and accounted back.

THE FULL EXTENT OF THE LOSS

Recovery is more than the repair invoice.

Repair cost is the obvious element. Policy excess, replacement vehicle costs, loss of use, downtime and other uninsured losses are all recoverable where liability sits with the other side. We pursue the whole loss rather than only the easy part of it.

Identification

A recovery file opens automatically the moment any element of the claim is paid.

Evidence

Recovery packs auto-assemble from invoices, engineering reports and hire agreements.

Presentation

The claim is put to the insurer at fault in full.

Recovery

Funds are recovered and returned.

PERSISTENCE PAYS

How recovery rates are improved.

Early Capture

Liability evidence gathered while it still exists.

Whole Loss

Excess, downtime and uninsured losses pursued alongside outlay.

Diary Discipline

Files tracked at 7, 14 and 30 days with defined escalation points instead of ad hoc chasing.

Escalation

Matters escalated wherever an insurer will not engage.

Recovery should be routine, not exceptional.

Recoverable incidents are identified at the point of capture and every file is tracked through to recovery, so claims are not quietly written off. Because recovery begins on the same system that took the first call, the evidence needed to prove liability is already on file.

Higher recovery rates

More outlay returned, more often.

Improved loss ratio

Recoveries feed straight back into the figure your underwriters are judged on.

Excess returned

Policyholders and drivers recover what they paid out.

Full visibility

The recovery position is clear at any point.

Getting back what was never yours to pay.