The Problem
670,000 personal injury claims are filed in the UK each year — and the process is a nightmare. Victims navigate it while injured, stressed, and completely unprepared. Insurers exploit the confusion to lowball payouts.
Confusing Process
The average claimant has no idea what evidence to gather, what forms to fill, or what their claim is actually worth. Insurers bank on this.
Delayed Payouts
Average time to settlement: 6–12 months. Missing documents, slow responses, and insurer foot-dragging extend the timeline. Victims need the money now.
Lowball Settlements
Insurers routinely offer 30–50% below fair value on first offers. Unrepresented claimants accept because they don't know better.
Evidence Gaps
Photos taken on the scene get lost. Witness details forgotten. Medical records requested too late. Weak evidence = weak claim.
Legal Cost Barrier
Solicitors take 25–40% on no-win-no-fee. Many claims under £5K aren't worth a solicitor — but are still life-changing money for the victim.
£8.5B of Pain
UK personal injury claims total £8.5B/year in payouts. An estimated £1.2B is left on the table annually from under-claimed or abandoned cases.
The App
A step-by-step claim navigator that handles everything — evidence capture at the scene, automated form filling, payout benchmarking, insurer negotiation scripts, and progress tracking — all from a mobile app.
Scene Evidence Capture
Guided photo checklist at the accident scene — vehicle damage, road conditions, injuries, witness details. GPS-tagged, timestamped, uneditable. Built for insurance-grade evidence.
Auto-Form Filling
Extracts data from photos, medical records, and police reports. Fills the claim form automatically. No more 20-page paper forms — submit in under 10 minutes.
Payout Maximiser
Benchmarks your claim against 50,000+ settled cases with similar injuries and circumstances. Shows exactly what your claim is worth — and what insurers typically offer first.
Real-Time Tracker
Shows exactly where your claim is in the process, what's pending, and what's next. No more calling the insurer to ask "any update?" — notifications when things move.
Negotiation Scripts
When the insurer lowballs, the app generates a counter-offer letter with specific case law, payout benchmarks, and evidence references. Paste into email or hand to your solicitor.
Medical Record Integration
Connects to NHS app and private providers to pull relevant records automatically. Flags missing evidence before the insurer asks for it — stay ahead of the process.
The Business Case
| Metric | Value |
|---|---|
| Target Market | UK Personal Injury — 670K claims/year, £8.5B market, £1.2B under-claimed annually |
| Revenue Model | Freemium (evidence capture + tracking) + £49/claim premium (payout maximiser + negotiation) + £199 flat fee (full service) |
| Initial Funding Need | £32,000 |
| Use of Funds | MVP development (8 weeks), legal compliance review, app store fees, seed marketing (Google Ads: "accident claim help") |
| Breakeven | Month 4 (1,200 premium claims × £49 avg) |
| Year 1 Revenue | £112,500 (5,000 users, 35% premium conversion) |
| Year 1 Profit | £76,500 (68% margin — SaaS model, no per-claim variable cost) |
| Year 3 Revenue | £490,000 (22,000 users, word-of-mouth + SEO) |
| Projected ROI (3yr) | 175% |
| Team | 1 (solo founder), part-time customer support from month 6 |
How It Works
Download at the Scene
Free app. Open immediately after an accident — guided photo capture, witness details, location tagging. 3 minutes to secure your evidence.
AI Builds Your Claim
Upload photos and medical records. The app auto-fills the claim form, calculates fair payout range, and flags missing evidence.
Submit & Track
Submit directly through the app. Track progress in real time. Get notified when the insurer responds — no more radio silence.
Maximise Your Payout
When the offer comes in, the app benchmarks it against similar cases. If it's low, generates a counter-offer with case law, evidence, and the right number.
Competitive Landscape
Claims Management Companies
Take 25–40% of your payout. Heavy TV advertising, call-centre model. The app replaces them for claims under £15K — keep 100% of your settlement.
Insurance Company Portals
Built for the insurer, not the claimant. Designed to minimise payout, not maximise it. The app is claimant-side — aligned incentives.
Solicitor Firms
Viable for high-value claims (£15K+). Under £5K, solicitor fees eat most of the payout. The app fills the gap — professional-grade claims without professional fees.
Our Edge
Payout benchmarking — the only consumer app that shows what your claim is actually worth, backed by 50K+ case data. Insurers know the number. Now you do too.
Go-to-Market Strategy
Phase 1: Accident-Intent Keywords
Google Ads targeting "car accident what to do," "injury claim help," "accident claim calculator." People search for help within hours of an accident. Be the first result.
Phase 2: Body Shop Partnerships
Partner with independent garages and body shops. Accident victims show up within days. QR code on the counter: "Don't let the insurer lowball you. Download this." Revenue share on premium conversions.
Phase 3: Organic Growth
App Store optimisation for "claim tracker," "injury claim," "accident help." Referral programme — £10 credit for every friend who files a claim. Word of mouth from successful claimants.
Risks & Mitigations
Legal Compliance
Risk: App could be classified as providing legal advice. Mitigation: Clear disclaimers, no legal advice — the app organises evidence and benchmarks payouts. Does not represent claimants. FCA-registered claims management licence if needed.
Insurer Pushback
Risk: Insurers challenge AI-generated counter-offers. Mitigation: Every counter-offer cites specific case law and evidence — it's a well-researched document, not a black-box output. Harder to dismiss.
Data Sensitivity
Risk: Medical records and accident evidence are highly sensitive. Mitigation: End-to-end encryption, UK-hosted data, GDPR-compliant. SOC 2 by month 6. Clear data deletion policy after claim settlement.
Market Validation
Search Volume
"Car accident what to do" — 12,100/mo UK searches. "Injury claim calculator" — 8,400/mo. "How to claim insurance after accident" — 5,400/mo. Massive intent at the exact moment of need.
YouTube Signal
YouTube Comment Intelligence detected this niche at 70% confidence. Commenters repeatedly ask "how do I make sure I get fair compensation" — existing solutions aren't reaching them.
Claims Management Exodus
FCA tightening claims management regulation. CMCs with high-fee models are declining. Gap opening for tech-first, low-fee alternatives — the Stripe of injury claims.
£1.2B Left on the Table
An estimated £1.2B/year in claim value goes unclaimed or under-settled in the UK. Every 1% captured = £12M in value delivered to claimants — and £600K in premium fees.
Early-Access Waitlist
We're building the first 100% claimant-side insurance claim navigator. Free evidence capture. Premium payout maximiser at £49/claim. Join the waitlist for early access and a free claim assessment.
Join the Waitlist — FreeQuestions? WhatsApp SoVael