Debt Collect - Outstanding Premium & Recovery Support
Recover outstanding premium recovery and post-claim debt support — without disrupting your operations.
From unpaid monthly premiums to back-dated cancellations and breach of Acknowledgement of Debt agreements, ERS Debt Collect provides structured, compliant recovery solutions designed specifically for insurers, brokers, and financial stakeholders.
Outstanding Premium & Recovery Support
Unpaid premiums and post-claim recovery gaps can quietly erode profitability and negatively impact your loss ratios.
Do you have clients who:
Fail to settle their monthly insurance premiums?
Default after back-dated cancellation adjustments?
Have had a claim paid, only for you to later discover that the premium for that period was unpaid?
Breach an agreed Acknowledgement of Debt?
ERS Debt Collect steps in to recover outstanding amounts professionally and efficiently — allowing you to remain focused on underwriting, risk management, and core operations.
How It Works
Structured Recovery with Practical Escalation
Account Handover
Outstanding premium or breach matters are handed over to ERS Debt Collect — including cases escalated from ERS Recoveries.Assessment & Strategy
We review supporting documentation, including policies, claims records, and signed Acknowledgements of Debt.Professional Engagement
Debtors are approached in a structured and compliant manner, aligned with the Debt Collectors Act.Escalation if Required
Where applicable, matters may escalate to ITC listing in accordance with signed agreements — often a far more economical alternative to litigation.Recovery & Reporting
Recovered amounts are remitted to you, with full reporting and visibility throughout the process.
Unpaid Premiums After Claims Are Settled
Recovering Post-Claim Exposure
When a claim has already been paid and it is later confirmed that the premium was unpaid for that period, ERS Debt Collect recovers the outstanding amount on your behalf.
This ensures:
Loss exposure is mitigated
Financial leakage is reduced
Operational teams are not distracted by recovery administration
Breach of Acknowledgement of Debt
Enforcing Signed Agreements
Where an Acknowledgement of Debt has been negotiated but the debtor fails to honour the repayment terms:
The matter can be seamlessly handed over from ERS to ERS Debt Collect
No additional cost to you
Recovery is pursued based on the signed agreement
If the debtor fails to comply, ITC listing may proceed in accordance with the agreement and applicable legislation
This structured enforcement approach strengthens recovery outcomes while maintaining legal and regulatory compliance.
A Cost-Effective Alternative to Litigation
Litigation can be time-consuming and costly
In many cases, structured recovery processes and ITC listing provide a more practical and economical solution — reducing recovery costs while maintaining leverage.
ERS Debt Collect prioritises efficient recovery pathways before considering costly legal escalation.
Why ERS Debt Collect
Specialist Recovery Backed by Compliance
Specialist Recovery Backed by Compliance
Professional and compliant collection processes
Relationship-conscious engagement approach
Cost-effective escalation options
Seamless integration with ERS recovery services
No-win-no-fee aligned recovery structures
We operate with a clear objective: recover what is rightfully owed while protecting your reputation and client relationships.
