See exactly what the
auto-generated demand letter looks like
This is the real output — letter structure, legal citations, valuation table, and escalation warning — exactly as it appears in the downloaded DOCX file.
DOCX + PDF
Format
21 days
Response Deadline
Payton v Brooks
Legal Basis
Yes
FCA Branded
Where the demand letter fits in your workflow
Build the CMR
Complete the 10-step builder — vehicle, accident, engineer report, valuation.
Set Demand Terms
Review the pre-filled demand basis, signatory name, and 21-day deadline before generating.
Download Letter
The demand letter is bundled inside the DOCX CMR file — ready to print or email directly.
Send to Insurer
Log the submit date in Key Dates Tracker. The 21-day countdown starts automatically.
Sample Demand Letter
Rendered exactly as it appears in the downloaded DOCX. All fields are auto-populated from your CMR data.
— Page 1 of 1 — Section 8: Formal Demand Letter —
Harper & Associates Claims Ltd
42 Victoria Street, Manchester, M2 4LQ
0161 443 8900 · claims@harperassociates.co.uk
FCA Ref: FCA836200
Ref: CMR-2026-00847
Date: 24 March 2026
From: Harper & Associates Claims Ltd on behalf of R. Thompson
Policy Number: ADM-POL-2024-771933
Our Reference: H&A/2026/0847
Their Reference: ADM-2026-TPC-88312
Admiral Insurance PLC
Claims Department
Re: Formal Demand — Diminution in Value — PX21 CSS — R. Thompson — £14,040
Dear Claims Handler,
We act as authorised representatives for R. Thompson and hereby formally demand payment of £14,040 in respect of the diminution in value of vehicle PX21 CSS (2021 Porsche 911 Carrera S (992) Sport Chrono PDK Coupé), arising from a non-fault road traffic accident on 14 January 2026.
Our client's 2021 Porsche 911 Carrera S (992) sustained significant damage in a non-fault road traffic accident. Despite the vehicle having been repaired to Porsche AG manufacturer standard using OEM parts, the accident history now permanently attached to the vehicle's HPI and DVLA records has materially reduced its market value. An independent valuation by Brego Automotive Valuations confirms a diminution in value of £14,040, representing a 14.4% reduction from the pre-accident market value of £97,500 — entirely consistent with the recognised stigma loss on high-value sports vehicles with a clean pre-accident history.
Claim Summary
| Vehicle | 2021 Porsche 911 Carrera S (992) Sport Chrono PDK Coupé |
| Registration (VRM) | PX21 CSS |
| Pre-Accident Market Value | £97,500 |
| Post-Accident Market Value | £83,460 |
| Diminution in Value | £14,040 |
| Total Reduction (14.4%) | £14,040 |
| Valuation Source | Brego Automotive Valuations |
Please confirm acceptance and issue payment within 21 days of this letter (by 14 April 2026). Failure to respond or settle this claim may result in court proceedings being issued without further notice. In that event, we will also seek an order for costs, interest under the Late Payment of Commercial Debts (Interest) Act 1998, and any further costs incurred as a direct result of your failure to engage.
We formally require you to respond with one of the following:
- 1.Written acknowledgement of this demand within 5 working days;
- 2.Confirmation of your acceptance of liability and the proposed settlement figure;
- 3.Written grounds for any dispute of liability, supported by your own independent valuation evidence.
Legal basis: This claim is made pursuant to the principle established in Payton v Brooks [1974] RTR 169 and affirmed in subsequent case law, which recognises the right of a non-fault accident victim to recover the diminution in market value of their vehicle, even where repairs have been fully completed. The stigma attaching to a vehicle with an accident history reduces its resale value regardless of the quality of repair.
We trust this matter will be resolved promptly and without recourse to litigation. We remain available to discuss settlement at any time.
Yours sincerely,
Jonathan Harper
Senior Claims Handler
Harper & Associates Claims Ltd
Authorised and regulated by the FCA. Ref: FCA836200
Report Reference: CMR-2026-00847 · Generated: 24 March 2026 · Prepared by Claims Management System
What every demand letter includes
All fields are populated automatically from your CMR data — no manual editing required.
Branded Letterhead
Your company name, FCA reference, full address, phone and email — auto-populated from your company profile.
Payton v Brooks Citation
Every letter cites the correct legal basis for diminution claims, establishing authority with the insurer from the outset.
Pre/Post Valuation Table
Pre-accident value, post-accident value, and diminution figure pulled directly from the Brego valuation result.
21-Day Deadline & Escalation Warning
A firm response deadline with an explicit county court escalation warning — drafted to prompt a prompt response.
Three Formal Requirements
Sets out three clear options for the insurer: acknowledge, accept, or provide written dispute grounds with evidence.
Signatory & Authority Block
Handler name, title, company, and FCA authorisation — presenting your firm as a regulated professional representative.
See the other documents in the CMR pack
Full CMR Report
10-section professional report — vehicle, engineer analysis, Brego valuation, full demand letter.
Chase Pack Letters
Auto-generated chase letters for overdue and upcoming claims — one per claim, page-broken in one DOCX.
Platform Overview
See all features of Claims Management Pro — dashboard, Key Dates, Chase Mode, and bulk export.
Ready to generate your demand letter?
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