Motor Claims

Valuation and Settlement Service for
Total-Loss Claims

Automatically determine the market value of total-loss vehicles in real time.

Can you settle total-loss claims quickly with accurate, transparent vehicle valuations?

Customers and auditors demand vehicle valuations that are consistent, fully evidenced, transparent, and prompt. But hours spent organising condition assessments and cross-referencing retail adverts and trade guides can still miss the mark without access to real-time market data or detailed vehicle information. Inconsistent or unfair valuations can result in costly errors, leading to customer disputes, policyholder churn, and regulatory scrutiny.

Intelligent automation enhances transparency, reduces costs, and empowers agile decision-making

Our comprehensive motor database, market integrations, and your value philosophy, drive a solution that delivers fast, consistent, and transparent valuations. Make informed total-loss claims settlement decisions with confidence while securing customer trust and satisfaction.

Get trusted, live market data and vehicle information in minutes

Gather and process data from market evidence, condition assessments, and vehicle and policy status with fast, automated collection.

Achieve accurate, consistent valuations across your claims book

Ensure fair, reliable, consistent offers with calculations based on data from multiple leading valuation providers. Prevent overestimations and reduce claims leakage.

Provide swift, evidence-based settlement offers

Automatically generate and send offers directly to customers with a digital, self-serve journey. Save 30 minutes per claim with real-time responses, and ensure transparency among all parties at every stage.

Ensure regulatory compliance

Quickly generate audit-ready reports aligned with the latest FCA regulations, including clear breakdowns of valuation methodology, without slow, manual calculations.

Increase accuracy and efficiency at every stage

Make confident vehicle claim assessments when you pair Valuation and Settlement Service with our Intelligent Vehicle Inspection Tool (IVI) for a seamless, fully digital claim journey. Access our Valuation and Settlement Service via user interface or API for enhanced visibility. Learn how our motor solutions help you reduce claims leakage.

Learn more

All your evidence requirements in one place

Get detailed evidence reports, seamless compliance, and improved customer confidence - helping you deliver well-documented, defensible decisions.

Vehicle-specific details

Including the make, model, mileage, condition, and history

Comparable market data

Listings and prices from verified sources

Valuation rationale

Clear breakdown of adjustments and deductions

Regulatory alignment

Structured to support FCA Consumer Duty compliance

Audit-ready format

Designed for internal review and external challenge

Features and capabilities

Automated valuation calculations

Our tool automatically fields data from multiple trusted UK providers to validate the vehicle value. The system also performs a detailed vehicle background check, including MOT status, previous claims, and any policy adjustments - all to drive accurate settlement offers.

Auditable journey and management information dashboards

The service’s fully auditable trail ensures your valuation process meets regulatory requirements, helping you avoid fines. Track volumes, dispute rates, and settlement times live with simple MI dashboards.

Detailed reports for audit ease

Our comprehensive reports support full transparency with your customers, including a complete list of providers used to determine the vehicle value and any adjustments that affect the final settlement, such as expired MOT or available policy excess.

Flexible model

Configurations bespoke to your business can help you deploy the platform quickly. Update the valuation logic and apply rules across your entire system instantly.

The ethical implications of automating high level claims processing

AI and process automation in claims can administer appropriate responses to resolve both high and low-level claims

Read the article

Woman Reviewing Data With Reflection In Glasses

Do more with the Verisk ecosystem

Unlock even more efficiencies by harnessing the full potential of the Verisk ecosystem.

Intelligent image analysis to expedite motor damage claim triage

Automatically triage motor damage claims into repair or total-loss workflows in seconds.

Learn about Intelligent Vehicle Inspection (IVI)

Adjuster Reviewing Car Accident Damage With Tablet

Real-time vehicle recovery alerts for insurers

Know when a customer’s vehicle is recovered by police after a road traffic collision or a theft.

Learn about Police Authorised Data Downloads (PADDs)

Streamlined subrogation and expedited settlements

Transform subrogation and accelerate claim settlements with this cloud-based, SaaS platform.

Learn about verify

Get in touch to learn more or book your demonstration

Our team is available Monday through Friday, 8 a.m. - 5 p.m. GMT (except Bank Holidays, Christmas Day and New Year’s Day).

Telephone support is available at the following offices. Please call your local provider at one of the listed numbers below:

Telephone support:

Norwich, UK:

+44 203 8084265

Global Toll-Free: International Access code, then

800 48977489.

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Valuation and Settlement Service for Total-Loss Claims