How it works

Recovery of uninsured losses can be expensive, time-consuming, stressful and frustrating. ICM will handle the claims on the client's behalf, if necessary appointing legal representatives to pursue the matter through the courts at no additional cost.

First of all we will make a preliminary assessment of liability. Unlike some ULR companies we will not abandon the claim if liability is not 100% established.

Usually we will be able to reclaim losses from the responsible party. We pride ourselves on our tenacity in dealing with third-party insurers and our communication with clients. However, should our efforts proved unsuccessful we will refer the claim to a panel solicitor for their opinion on the prospects of success.

We also believe in the importance of regular feedback to our instructing brokers. We will arrange individual Service Level Agreements and ensure that we adhere to these providing reports and updates at intervals requested.

Our tried and tested system has worked to the satisfaction of our broker clients for several years.

Coverage

We can provide a ULR service on any basis required by an individual broker.

This can apply across the board to a broker’s entire motor account. Alternatively, we can cover sections of accounts, e.g. individual clients or all commercial clients.

Some brokers prefer an opt-in method, whereby cover is provided only if a specific premium has been paid by the client.

Cover applies to the policyholder, any authorised driver and passengers.

Legal Expenses Insurance

Our policy is underwritten by IGI Insurance and provides a limit of indemnity of up to £50,000. This includes all solicitors and barristers fees, court costs and expert witness expenses.

Communication

Communication is the cornerstone of our service. We review all cases using a strict diary system. Clients are informed whenever there is a development with their claim. In the absence of any such developments we will contact clients at least every 28 days to ensure that they are aware of the position.

We commence the recovery process immediately. Our proactive approach means that a proportion of outstanding reserves can be taken out of the claims experience at the time of renewal negotiation.