Uninsured loss recovery

Uninsured losses, or ULR, refers to uninsured financial losses arising out of a motor accident. These are losses that are not covered under your standard motor insurance policy.

If you have incurred losses following an accident and you were not at fault, you may be able to pursue a recovery of those losses against the responsible party or their insurance company.

Whilst not exhaustive, losses you may be able to claim for include:

• Insurance policy excess
• Travel costs (including vehicle hire)
• Lost earnings due to the accident
• Damage to personal property such as clothing or spectacles.

Evidence in support of your claim is required. Depending on the loss, this could be in the form of receipts, invoices and replacement estimates along with images of damaged items. Our advice would be to retain evidence of any losses or damage incurred.

• If your vehicle was repaired following the accident: A copy of your policy excess receipt from the repairing garage will be required to support your loss.
• If your vehicle was declared a total loss: A letter from your insurance company confirming your policy excess deduction was made from your total loss settlement should suffice.

A ‘no claims’ discount isn’t normally a recoverable loss. If a non-fault claim is successful against the responsible party, or their insurance company, your own insurer may reinstate your discount.

It’s difficult to give you an exact timescale without knowing more about your accident as no two claims are the same. Even then, how long it will take depends on whether the other party’s insurer accepts responsibility or not. Regardless of the situation, we’ll work to settle your claim as quickly and efficiently as possible and will keep you up to date with the progress of your claim.