Third Party Recoveries
Recover third-party related losses, whether the full quantum or losses outside of your insurance policy— without impacting premiums or profitability.
ERS specialises in recovering third-party damages where claiming through insurance does not make commercial sense. We help you recoup costs that would otherwise be written off, improving loss ratios and protecting your bottom line.
Third Party Recoveries Overview
Recover what you’re entitled to, whether on behalf of your Insurer or Fleet Owner.
When a third party is responsible for an accident, businesses are often left absorbing costs that fall within excess or outside insurance cover. Claiming through insurance can increase premiums, reduce profitability, and consume valuable internal resources.
ERS provides a smarter alternative. We recover repair costs, excess-related losses, and associated expenses directly from the responsible third party — allowing you to repair damages while we pursue recovery on your behalf.
ERS is a trusted and preferred partner for many insurance companies who outsources their recoveries and liabilities with peace of mind.
Who This Service Is For
Designed for High-Exposure Businesses
Third Party Recoveries is ideal for:
Transport and logistics operators
Fleet owners and managers
Self-insured businesses
Insurers and brokers managing recoveries
Financial managers focused on loss control
- Designed for High-Exposure Business and Insurance companies, Underwriting Managers, Madated Brokers
If you’re writing off costs because they fall within excess, this service is designed for you.
How It Works
A Proven Recovery Process
Incident Review & Assessment
You submit the accident details, repair quote, and supporting information. We assess the recovery potential and probability of success.Investigation & Liability Confirmation
Our team investigates the incident, confirms third-party liability, and prepares the recovery strategy.Engagement & Negotiation
We engage insurers, third parties, and legal representatives to negotiate settlement — professionally and efficiently.Escalation (If Required)
Where necessary, and with your approval, matters are escalated through our trusted panel of attorneys as a cost-effective alternative to traditional litigation.Recovery & Payment
Recovered funds are paid over to you promptly, with full reconciliation and transparent reporting.
Why Use ERS for Third Party Recoveries
A Smarter Alternative to Litigation
Avoid losing out on losses within excess
Protect insurance premiums and loss ratios
No success-no commission
Faster recovery timelines than industry norms
Cloud-based tracking and reporting
Reduced administrative and legal burden
