Insurance debt recovery

Recover unpaid premiums and excesses, without the policyholder backlash.

Insurers, MGAs, and brokers recover lapsed premiums, unpaid excesses, and recovery-of-excess against at-fault parties — with debtor messaging that won't end up screenshot in a complaint to AFCA.

fee unless we recover

Code-aware

messaging

AFCA-ready

documentation

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Why traditional recovery breaks for Insurance.

Policyholder relationships matter — a heavy-handed agency complaint lands at AFCA fast.
Excesses are small ($300-$2,000) — 25-30% commission destroys the economics.
At-fault party recovery (subrogation excess recovery) involves a non-customer, but the tone still affects your brand.
General Insurance Code of Practice constrains contact behaviour.

How we do it differently.

AFCA-cognisant tone

Communications written to stay clear of the General Insurance Code complaint triggers. AFCA already adjudicates insurance complaints — we know what gets cited.

Subrogation-aware routing

At-fault excess recovery uses different messaging from policyholder recovery. We don't blur them.

Contingency-only — viable for excesses

Materially below 25-30% rates. Small excess balances become economic to chase.

Customer voice

What finance teams tell us

Switching off our old agency saved us roughly 28% on every recovered dollar in the first quarter — and I stopped getting angry-customer phone calls forwarded to me.

Sarah K. CFO, mid-size plumbing wholesaler

Our debtors used to ghost a 1300 number. Now they pay through a portal in their pyjamas at 11pm. Recovery rate's up, calls volume is down, and the tone of the whole thing feels less like a fight.

Daniel R. Head of Finance, regional ISP

The hardship workflow alone justified the switch. We had two genuinely struggling customers this quarter and our previous agency would have just kept hammering. We kept the relationship.

Jenna T. Operations Manager, allied-health clinic group

Frequently asked questions

Are you compliant with the General Insurance Code of Practice?

Our contact frequency, tone, and hardship pathways align with the Code's customer-treatment standards. The Code applies to insurers and their agents, including external recovery agents acting for them.

Can you handle subrogation / at-fault excess recovery?

Yes. The at-fault party is a non-customer; the messaging reflects that — firm, factual, no policyholder language. Settlement options remain reasonable.

How does this work alongside our existing insurance broker network?

We integrate at the receivable layer — debts are uploaded by your team or via API. Brokers don't need to change their workflow.

See it on your own portfolio.

20-minute demo. We'll model recovery on your real data — no commitment.

Book a Demo