Insights & Updates
Practical thinking on total loss settlements, compliance, and claims operations, written for accident management professionals.
When a Redress Scheme Gets Challenged, Evidence Is the Only Thing That Holds
The FCA's motor finance redress scheme has been partially suspended pending a legal challenge. It is not a total loss story, but it is a useful one, because it shows what happens when a regulator has to demonstrate that outcomes were fair rather than simply assert it. That is the same test a total loss file faces.
Underwriting Is Consolidating Around Agentic AI. Total Loss Is Still Manual.
This month the agentic underwriting tools stopped being separate launches and started becoming a single stack. Total loss valuation for AMCs is still a manual call and a spreadsheet. The gap widened again, and this time it is about the record, not only the speed.
Agentic AI Just Went Live in Underwriting. Total Loss Is Still Waiting.
Duck Creek, Hyperexponential and Cytora all shipped agentic underwriting this month. Total loss settlement is still manual. What the widening gap means for accident management companies.
Underwriting Is Racing Ahead. Total Loss Is Still Manual. Where That Leaves AMCs.
Underwriting is automating quickly. Total loss settlement has barely moved. The reasons are mostly good ones, but the gap is widening and it matters for the AMC operations sitting between them.
The Three Valuation Arguments AMCs Should Actually Be Making in 2026
After the FCA's September 2025 review, the air cover for robust valuation challenge is the strongest it's ever been. Here are the three arguments AMCs should lead with on every total loss file.
Eight Months On From the FCA's £200m Wake-Up Call: What's Actually Changed for Total Loss
Insurers have overhauled how they handle total loss claims. Some of it has stuck. Some of it hasn't. And the Consumer Duty pressure is only going one way. Where total loss settlement sits eight months on from the FCA's intervention.
The £200m Wake-Up Call: What the FCA's Valuation Review Means for Total Loss Claims
In September 2025, the FCA confirmed that over 270,000 motorists would receive a combined £200 million in compensation from motor insurers. The reason? Insurers had been systematically undervaluing vehicles when settling total loss claims.
The Write-Off Crisis: Why More UK Vehicles Are Being Scrapped Than Repaired
Something has shifted in the UK motor claims market. More vehicles are being written off, fewer are being repaired, and the gap between insurance payouts and replacement costs is widening.
Why Total Loss Is the Weakest Link in Your Claims Operation
Most accident management companies have invested significantly in technology over the past decade. Claim capture is automated. Triage is faster. Hire deployment is streamlined. But total loss settlement has barely changed.
Write-Off Categories Explained: What Accident Management Companies Need to Know in 2026
Every total loss claim starts with a categorisation decision. The ABI updated its Code of Practice in May 2025, including new guidance on electric and hybrid vehicles.
What Customers Actually Want When Their Car Is Written Off
Having your car written off is one of the most stressful experiences in the insurance world. Most total loss settlement processes are designed around operational convenience, not customer experience.