Uninsured Loss Recovery

We’re like a dog with a bone…

At Opus, we never give up. We never stop trying. Right to the bitter end, some might say. And that is exactly why our recovery success rate is as high as it is. Let us explain…


What is ULR?

When you or your driver has been involved in a non-fault accident, almost inevitably, your business or organisation will incur costs. These may come in many different forms, for example;

  • Vehicle repairs
  • Policy excess
  • Replacement hire vehicle charges
  • Independent engineer inspection
  • Downtime / loss of use
  • etc

Because these expenses may not be covered by your fleet motor insurance policy, they are classed as uninsured. However, this does not mean you are not insured!

Why do i need someone to do ulr?

Your insurer might provide you with a ULR service, but for fleets, in our experience, this does not work particularly well. They do not have the time, resources or the will to eek back every penny for you. At Opus, we act as an extension to your fleet department or accident management provider, dedicated to ensuring every incident is pursued with the vigour it deserves. To us, nothing is more satisfying than resolving difficult and complex disputed cases, as quickly as possible.

Do i need a legal expenses policy?

In a word, no.

Since we began, our unique caims process has meant that we have never passed on legal fees to our customers. As there is no exposure to your organisation, there is no requirement to seek an underwritten policy, which also means no IPT to pay either.

why choose Opus?

We are no ordinary claims company. We are a small team of immensely dedicated and talented people. We care about what we do and how we serve our customers. We get to know you and your organisation and operate in the knowledge that, at the end of the day, we are all human beings that want to get along. When we make a mistake, we tell you.

Perhaps then, that’s why our longest current fleet customer has been with us since 1995.