End-to-end claim lifecycle automation for accident management companies, credit hire firms, and recovery operators.
Each one is purpose-built for accident management operations rather than a generic template. They are set out in full below.
Capture first notification of loss from any channel, validate liability indicators, and route claims to the right handler, all within minutes, not hours.
When FNOL arrives by phone, email, insurer portal, and web form, details get re-keyed, liability indicators are missed, and claims sit unallocated. Every hour of delay is a lost hire day and a weaker subrogation position. Manual triage also increases the risk of accepting fraudulent or non-viable claims that drain resources downstream.
Multi-channel data re-keying
Handlers manually transpose FNOL details from calls, emails, and insurer feeds into your case management system, introducing errors and delays.
Inconsistent liability assessment
Without a structured triage workflow, liability split decisions vary between handlers, leading to disputed recoveries and write-offs.
Delayed claim allocation
Claims queue in a shared inbox until a supervisor manually assigns them, losing critical hours in the first 24-hour window.
Fraud exposure at the front door
Basic fraud indicators such as repeat claimants, staged accident patterns, and policy anomalies are not checked until deep into the claim lifecycle.
Omnichannel FNOL capture
Ingest notifications from telephony, email, insurer API feeds, and web forms into a single structured record with zero re-keying.
Automated liability scoring
Apply rule-based triage logic to accident circumstances, third-party admissions, and police report data to generate an initial liability indicator.
Intelligent claim routing
Auto-allocate claims to the appropriate handler queue based on liability split, claim value band, and service-level commitments.
Front-gate fraud screening
Cross-reference claimant details, vehicle histories, and known fraud markers at the point of intake before any services are deployed.
SLA countdown timers
Trigger configurable SLA clocks from the moment FNOL is received, with escalation alerts for missed response windows.
Receive and normalise first notification of loss from any inbound channel into a standardised claim record.
Auto-populate vehicle, policy, and third-party data; flag missing fields for handler completion.
Apply liability indicators, fraud screening rules, and claim-value banding to determine the handling pathway.
Route the claim to the appropriate handler or team queue and send confirmation to the claimant with next-step instructions.
Activate response-time and service-deployment SLA timers with automated escalation if thresholds are breached.
85%
Faster FNOL-to-allocation
Automated capture and routing reduces the average time from first notification to handler assignment from hours to minutes.
40%
Fewer data entry errors
Structured intake forms and API ingestion eliminate manual re-keying across channels.
3x
More claims triaged per handler
Automated liability scoring and routing let each handler focus on complex cases rather than administrative sorting.
Manage the full credit hire lifecycle, from vehicle deployment and rate justification to invoicing and third-party settlement, in one auditable workflow.
Credit hire margins depend on deploying vehicles quickly, justifying rates under GTA guidelines, and recovering costs from at-fault insurers. When hire periods are tracked on spreadsheets and rate justification evidence is scattered, you lose revenue to successful rate challenges and extended hire write-offs.
Slow vehicle deployment
Manual matching of vehicle category to claimant need delays deployment, costing billable hire days in the critical first 24 hours.
Weak rate justification evidence
GTA rate challenge defences rely on contemporaneous evidence that is rarely collated at the point of hire, weakening your recovery position.
Uncontrolled hire duration
Without automated mitigation triggers, hire periods extend beyond what is reasonable, inviting insurer challenges under the duty to mitigate.
Fragmented invoicing and settlement
Hire charges, CDW, delivery, and collection fees are tracked separately, delaying invoice generation and elongating the cash cycle.
Automated vehicle matching
Match claimant vehicle category to available fleet or supplier stock using GTA band rules, deploying the correct vehicle within hours.
Rate justification pack builder
Auto-generate contemporaneous rate evidence packs including local comparators, vehicle specification, and availability data at the point of hire.
Mitigation date tracking
Set and monitor key mitigation dates (engineer inspection, total-loss decision, repair completion) with alerts when hire should cease.
Automated hire invoicing
Generate itemised hire invoices including daily rate, CDW, delivery, and collection charges, ready for third-party submission.
Recovery performance dashboard
Track settlement rates, average discount applied, and days-to-recovery across your entire credit hire book.
Validate non-fault status, claimant need, and impecuniosity (where applicable) before committing to vehicle deployment.
Select the appropriate GTA band vehicle from fleet or supplier stock and arrange delivery to the claimant.
Capture local rate comparators, vehicle spec data, and availability evidence at the point of hire for defence purposes.
Track repair timelines, total-loss decisions, and settlement offers to trigger hire cessation at the appropriate point.
Generate itemised invoices and submit to the at-fault insurer, tracking settlement through to payment.
60%
Faster vehicle deployment
Automated vehicle matching and fleet availability checks cut deployment time from days to hours.
35%
Fewer successful rate challenges
Contemporaneous rate justification evidence packs strengthen your defence against GTA rate disputes.
20%
Shorter average hire duration
Mitigation date tracking and automated cessation alerts keep hire periods within defensible limits.
Allocate repairs to approved bodyshops, track repair progress in real time, and enforce quality and cost standards across your entire network.
When repair allocation relies on phone calls and email chains, jobs go to whichever bodyshop answers first rather than the best-performing repairer. Without real-time visibility of repair progress, hire periods overrun, parts delays go unnoticed, and quality issues surface only when the claimant complains.
Opaque repair timelines
Bodyshops provide estimated completion dates by phone, but updates are infrequent and unreliable, making hire cessation planning impossible.
Uncontrolled repair costs
Without standardised labour rates and parts-sourcing rules, repair invoices vary wildly across your network.
No repairer performance data
You cannot benchmark bodyshop cycle times, supplement rates, or customer satisfaction without manually collating data from each repairer.
Smart repair allocation
Route repairs to approved bodyshops based on location, capacity, vehicle marque specialism, and historical performance scores.
Real-time repair tracking
Bodyshops update repair stages (strip, estimate, parts ordered, in-paint, reassembly, QC) through a repairer portal or API link.
Cost control rules
Enforce agreed labour rates, paint material allowances, and parts-sourcing hierarchies (OEM, pattern, recycled) across the network.
Repairer performance scorecards
Benchmark each bodyshop on key-to-key time, supplement rate, cost deviation, and claimant satisfaction.
Automated claimant updates
Send SMS and email status updates to claimants at each repair stage, reducing inbound chase calls.
Select the optimal approved bodyshop based on location proximity, capacity, and performance ranking.
Review the bodyshop estimate against cost rules and authorise or query line items before work begins.
Monitor progress through strip, parts, paint, reassembly, and quality control stages with daily status updates.
Review and authorise supplementary repair costs discovered during strip-down, enforcing agreed cost tolerances.
Verify quality-control sign-off, arrange vehicle collection, and trigger hire cessation in the credit hire workflow.
4 days
Shorter average key-to-key time
Real-time tracking and performance-based allocation drive faster repair cycle times across the network.
25%
Lower supplement rates
Standardised estimating rules and pre-repair photo requirements reduce post-authorisation cost increases.
50%
Fewer inbound chase calls
Proactive claimant updates at each repair stage eliminate the need for status-check phone calls.
Automate outbound third-party contact, liability admission capture, and cost recovery submissions to maximise recovery rates and reduce aged debt.
Recovering costs from at-fault insurers requires persistent, well-timed outbound contact, accurate documentation, and adherence to the Pre-Action Protocol. When recovery is managed through spreadsheets and diary reminders, follow-ups are missed, evidence packs are incomplete, and viable claims age into write-offs.
Missed follow-up windows
Diary-based chase systems mean follow-ups slip, giving at-fault insurers grounds to dispute on delay or limitation.
Incomplete evidence packs
Recovery submissions lacking hire justification, repair invoices, or engineering reports are rejected, requiring rework and re-submission.
Pre-Action Protocol non-compliance
Failure to follow the prescribed Pre-Action Protocol timeline exposes you to adverse costs orders in litigation.
Automated outbound contact
Trigger templated letters and emails to at-fault insurers at each Pre-Action Protocol stage with tracked delivery confirmation.
Evidence pack assembly
Automatically compile hire invoices, rate justification, repair costs, engineering reports, and claimant statements into a single disclosure bundle.
Pre-Action Protocol engine
Enforce the fixed-cost Pre-Action Protocol timeline with automated letter generation, response tracking, and escalation to litigation if deadlines pass.
Settlement tracking
Log offers, counter-offers, and agreed settlements against each claim head (hire, repair, storage, recovery, PI referral fee).
Once liability is established, open a recovery file and send the initial letter of claim to the at-fault insurer.
Assemble all supporting documentation (hire invoices, rate evidence, repair costs, engineering report) into a disclosure-ready bundle.
Send protocol-compliant correspondence at prescribed intervals, tracking responses and counter-proposals.
Log offers and counter-offers against each claim head, escalating to litigation referral if negotiation stalls.
92%
Recovery rate on non-fault claims
Automated follow-ups and complete evidence packs ensure fewer claims fall through the cracks.
30%
Faster time-to-settlement
Pre-Action Protocol automation and proactive chasing compress the settlement cycle.
45%
Reduction in aged debt over 180 days
Systematic follow-up cadences prevent claims from aging into write-off territory.
Manage PI referral pipelines, track FCA CMC compliance obligations, and reconcile referral fees, from initial screening to solicitor settlement.
Personal injury referrals represent a significant revenue stream for accident management companies, but FCA CMC authorisation requirements demand rigorous record-keeping, client consent management, and referral fee transparency. Without a structured workflow, referrals are lost between departments, consent records are incomplete, and fee reconciliation is a quarterly headache.
FCA CMC compliance burden
CMC authorisation requires demonstrable client consent, fee disclosure, and complaints handling records that are difficult to maintain manually.
Lost referral opportunities
Injury-eligible claimants are not consistently identified during FNOL or claim handling, leaving referral revenue on the table.
Fee reconciliation delays
Tracking which referrals have converted, settled, and generated fees requires manual cross-referencing between your system and the instructed solicitor.
Injury screening prompts
Prompt handlers to screen for injury eligibility at FNOL and during claim progression, ensuring no referral opportunity is missed.
FCA CMC compliance workflow
Capture and store client consent, fee disclosure acknowledgements, and cooling-off period confirmations in an auditable compliance record.
Solicitor panel management
Manage your panel of instructed solicitors, track referral volumes per firm, and monitor conversion and settlement rates.
Referral fee reconciliation
Track each referral from screening through to solicitor settlement, matching expected fees against actual payments received.
During FNOL or claim handling, prompt the handler to assess injury eligibility using configurable screening questions.
Record the claimant's informed consent to referral and confirm fee disclosure in line with FCA CMC requirements.
Submit the referral to the selected panel solicitor with all supporting claim documentation attached.
Monitor the referral through solicitor acceptance, medical reporting, and settlement stages.
Match solicitor fee payments against expected referral income and flag discrepancies for follow-up.
25%
More PI referrals captured
Systematic injury screening at FNOL and during claim handling identifies more eligible claimants.
100%
FCA CMC audit readiness
Every referral carries a complete compliance record (consent, disclosure, cooling-off) ready for regulatory review.
95%
Fee reconciliation accuracy
Automated matching of referral outcomes to expected fees eliminates manual cross-referencing errors.
Dispatch recovery agents, track vehicle movements from roadside to storage or bodyshop, and manage storage charges, all from a single dashboard.
When a claimant is stranded at the roadside with an undriveable vehicle, every minute counts. Manual dispatch processes (calling multiple recovery agents, negotiating availability, and tracking ETA by phone) delay recovery, frustrate claimants, and run up avoidable storage charges when vehicles sit in temporary yards.
Slow dispatch turnaround
Calling recovery agents sequentially to find availability wastes time when the claimant is waiting at the roadside.
No real-time vehicle tracking
Once a recovery agent is dispatched, you have no visibility of vehicle location or estimated arrival time until they call back.
Uncontrolled storage charges
Vehicles sit in recovery agent yards accruing daily storage fees because onward movement instructions are delayed.
Smart dispatch engine
Broadcast recovery jobs to approved agents based on proximity, availability, and vehicle type capability, accepting the fastest responder.
Live vehicle tracking
Track vehicle location from recovery pickup through to final destination: bodyshop, storage compound, or salvage agent.
Storage charge management
Track storage days per vehicle, set maximum storage thresholds, and trigger movement instructions before charges become unrecoverable.
Claimant ETA notifications
Send real-time SMS updates to the claimant with recovery agent ETA, pickup confirmation, and vehicle destination details.
Capture vehicle location, condition, and recovery requirements from the FNOL workflow or direct instruction.
Broadcast the job to approved agents, auto-selecting the fastest responder based on proximity and capability.
Monitor recovery agent ETA, confirm pickup, and track the vehicle in transit to its destination.
Track storage days, issue onward movement instructions to bodyshop or salvage, and cap storage charges.
70%
Faster dispatch-to-pickup
Broadcast dispatch to multiple agents simultaneously eliminates sequential phone calls and cuts response times.
£400
Average storage cost saving per claim
Proactive movement instructions and storage thresholds prevent vehicles accruing unnecessary storage charges.
4.8/5
Claimant satisfaction score
Real-time ETA updates and faster recovery times significantly improve the claimant experience.
Monitor vehicle utilisation, manage maintenance schedules, and optimise fleet allocation to maximise billable hire days and minimise off-road time.
Credit hire companies that operate their own fleet often lack real-time visibility of which vehicles are on hire, which are available, and which are off-road for maintenance or damage repair. Without this data, deployment decisions are suboptimal: you hire in from suppliers when own-fleet vehicles are sitting idle, or you deploy vehicles overdue for servicing.
No real-time availability view
Fleet status is tracked on spreadsheets updated manually, so deployment teams cannot see live availability when allocating vehicles.
Missed maintenance windows
Service schedules, MOT dates, and insurance renewals are tracked in separate systems, risking non-compliance and off-road time.
Suboptimal fleet utilisation
Without utilisation analytics, you cannot identify underperforming vehicle categories or right-size your fleet.
Damage and condition tracking gaps
Vehicle condition at deployment and return is not consistently recorded, making damage liability disputes difficult to resolve.
Live fleet dashboard
View real-time status of every vehicle (on hire, available, in maintenance, off-road) with filterable views by GTA band, location, and age.
Maintenance scheduling
Automated alerts for upcoming services, MOT dates, insurance renewals, and lease return deadlines.
Condition reporting
Capture vehicle condition with photo evidence at deployment and return, creating an auditable record for damage disputes.
Utilisation analytics
Track utilisation rates by vehicle category, age, and location to inform fleet procurement and disposal decisions.
Fleet cost management
Monitor per-vehicle costs including lease payments, insurance, maintenance, and depreciation against hire revenue generated.
Add new vehicles to the fleet register with GTA band, specification, lease terms, and maintenance schedule.
Assign vehicles to hire cases, capturing pre-deployment condition with photographic evidence.
Track which vehicles are currently deployed, to which claimant, and the expected return date based on repair or settlement timelines.
Record vehicle return, capture post-hire condition, and flag any damage for recovery from the claimant or insurer.
Schedule any required maintenance or valeting, then return the vehicle to the available pool for redeployment.
15%
Higher fleet utilisation
Real-time availability and smart allocation ensure own-fleet vehicles are deployed before supplier hire is used.
90%
Reduction in missed maintenance
Automated scheduling ensures every vehicle is serviced, MOT-tested, and insured on time.
£120k
Annual supplier hire cost saving
Better utilisation of own-fleet vehicles reduces reliance on more expensive supplier hire stock.
Manage the total-loss process from engineer inspection to valuation, claimant negotiation, salvage disposal, and settlement, with full audit trail.
When an engineer declares a vehicle beyond economical repair, a new set of processes kicks in: pre-accident valuation, claimant negotiation, salvage categorisation, and disposal. Without a dedicated workflow, total-loss claims drift, hire periods overrun while valuations are disputed, and salvage proceeds are not properly credited.
Delayed valuation delivery
Pre-accident valuations are sourced manually from multiple providers, delaying the settlement offer and extending the hire period.
Protracted claimant negotiation
Claimants dispute valuations but handlers lack structured escalation paths, causing cases to stagnate.
Salvage revenue leakage
Salvage disposal is handled ad hoc, with no competitive bidding process to maximise the salvage return.
Multi-source valuation engine
Source pre-accident valuations from multiple industry guides and providers simultaneously, presenting a defensible market value.
Claimant negotiation tracker
Log all valuation discussions, counter-offers, and evidence submissions in a structured negotiation timeline.
Salvage categorisation & disposal
Assign DVLA salvage category (S or N), manage V23 notifications, and route vehicles to salvage agents for competitive bidding.
Settlement checklist
Ensure all total-loss steps are completed (V5 surrender, finance settlement, hire cessation, salvage credit) before closing the claim.
Total-loss analytics
Track average time-to-settlement, valuation acceptance rates, and salvage return percentages across your book.
Record the engineer's beyond-economical-repair decision with supporting report and trigger the total-loss workflow.
Obtain pre-accident valuations from multiple providers and compile into a defensible market-value report.
Present the valuation to the claimant, log any counter-arguments or additional evidence, and agree the settlement figure.
Assign the DVLA salvage category, submit V23 notification, and route the vehicle to salvage agents for bidding.
Process V5 surrender, settle any outstanding finance, credit salvage proceeds, and close the total-loss file.
5 days
Faster total-loss settlement
Multi-source valuations and structured negotiation compress the time from BER decision to agreed settlement.
18%
Higher salvage returns
Competitive salvage bidding ensures you achieve the best market price for every written-off vehicle.
30%
Fewer hire-period disputes
Faster total-loss resolution reduces the window for at-fault insurers to challenge post-BER hire charges.
Enforce FCA CMC authorisation obligations, Consumer Duty requirements, and Whiplash Injury Regulations compliance across every claim in your book.
Accident management companies operating under FCA CMC authorisation face a growing compliance burden: Consumer Duty obligations, Whiplash Injury Regulations 2021, fee transparency requirements, and complaints handling standards. When compliance is managed through checklists and periodic audits, gaps emerge between audits and regulatory risk accumulates unseen.
Consumer Duty evidence gaps
Demonstrating that services deliver good outcomes for customers requires evidence that is rarely collated systematically across the claim lifecycle.
Inconsistent complaints handling
Without a structured complaints workflow, response times breach FCA requirements and root-cause analysis is superficial.
Whiplash reform compliance risk
Claims that should be routed through the Official Injury Claim portal are not consistently identified, risking regulatory sanction.
Audit preparation burden
Preparing for FCA section 166 reviews or internal compliance audits requires weeks of manual evidence gathering.
Consumer Duty dashboard
Monitor customer outcome metrics (fair value, claimant satisfaction, complaint ratios) in real time against FCA Consumer Duty benchmarks.
Complaints management workflow
Capture, investigate, and resolve complaints within FCA timeframes with automated acknowledgement letters and final response generation.
Whiplash Injury Regulations engine
Automatically identify claims falling under the 2021 tariff, flag OIC-eligible injuries, and enforce compliant referral pathways.
Regulatory reporting suite
Generate FCA returns, complaints data, and Consumer Duty board reports from live claim data without manual collation.
Audit trail & evidence locker
Every decision, communication, and consent record is timestamped and stored in a searchable compliance evidence repository.
Build mandatory compliance checkpoints (consent capture, fee disclosure, vulnerability screening) into every claim workflow.
Track Consumer Duty metrics across the claim lifecycle, flagging cases where outcomes fall below acceptable thresholds.
Capture complaints, auto-acknowledge, investigate with root-cause tagging, and issue final responses within FCA timeframes.
Produce FCA returns, complaints analysis, and Consumer Duty board packs from live data at the click of a button.
100%
FCA complaint response compliance
Automated timeframe management ensures every complaint receives acknowledgement and final response within FCA deadlines.
75%
Faster audit preparation
On-demand regulatory reports and a searchable evidence locker eliminate weeks of manual preparation.
Zero
Regulatory enforcement actions
Systematic compliance workflows and real-time monitoring prevent the gaps that trigger FCA intervention.
Systematise the recovery of outlay from at-fault insurers, from demand issuance through negotiation to settlement, and eliminate aged debt from your balance sheet.
Accident management companies carry significant outlay on their balance sheet (credit hire charges, repair costs, storage fees, and recovery charges) all pending recovery from at-fault insurers. When subrogation is managed manually, cases age, follow-ups are inconsistent, and viable recoveries are written off because the cost of chasing exceeds the perceived return.
Growing aged debt book
Without systematic follow-up, recoverable outlay ages beyond 180 days and is provisioned as bad debt, impacting cash flow and profitability.
Inconsistent chasing cadence
Handlers prioritise new claims over recovery follow-ups, allowing viable subrogation cases to stagnate.
No visibility of recovery pipeline
Finance teams cannot forecast cash inflows from subrogation because recovery stages and expected timelines are not systematically tracked.
Automated chase sequences
Configure multi-step chase cadences (demand, reminder, escalation, litigation referral) that execute automatically based on elapsed time and insurer response.
Recovery pipeline dashboard
Visualise your entire subrogation book by recovery stage, age band, insurer, and expected value for cash-flow forecasting.
Insurer response tracking
Log every insurer response (acknowledgement, liability admission, offer, rejection) with automated next-action triggers.
Settlement reconciliation
Match incoming payments to specific claims and claim heads, flagging underpayments and unallocated receipts for investigation.
Recovery performance reporting
Track recovery rates, average discount, days-to-settlement, and write-off ratios by insurer, handler, and claim type.
Aggregate all recoverable costs (hire, repair, storage, recovery, engineering) into a subrogation demand for each non-fault claim.
Generate and send a formal demand to the at-fault insurer with itemised outlay and supporting evidence attached.
Follow the configured chase cadence (reminders, escalations, and litigation referral triggers) based on insurer response or silence.
Log offers, negotiate on disputed heads, and agree settlement with approval workflows for discount authority.
Match incoming payments to claims, flag underpayments, and update the recovery pipeline with final outcomes.
40%
Reduction in aged debt over 180 days
Automated chase sequences prevent recoverable outlay from stagnating beyond collection thresholds.
£2.1M
Additional annual recovery
Systematic subrogation processes recover outlay that would otherwise be written off under manual workflows.
15 days
Faster average settlement
Proactive chasing and complete documentation compress the time from demand to payment.
Tell us the one process causing the most pain and we will tell you whether it fits a 30-day pilot, and what the scope and fixed price would be.
