Motor insurance covers your vehicle, but a non-fault road traffic accident can leave you out of pocket in ways your policy simply doesn't touch — time off work, a damaged phone that was in the car, or the excess you've already paid. Uninsured loss recovery is about claiming those costs back from the party at fault.
Common uninsured losses include loss of earnings while you're unable to work or attend appointments related to the accident, damage to personal items such as phones, glasses or child car seats, policy excess payments, reasonable taxi or public transport costs while you're without a vehicle, and out-of-pocket expenses directly caused by the accident.
Many drivers simply don't realise these costs are recoverable, or don't have the time and documentation know-how to pursue a separate claim while also dealing with repairs and a replacement vehicle. MotorClinicUK's Claims Advisors handle uninsured loss recovery as part of the wider claims process, so it doesn't fall through the cracks.
Keep receipts, records of time off work, and photos of any damaged personal property from the scene. The more documentation you can provide, the more straightforward the recovery process becomes — but even without perfect records, we'll advise on what's realistically claimable.
Uninsured loss recovery is handled alongside your main accident management claim at no extra cost. Call 0116 2018 111 to speak to a Claims Advisor.