Commercial vehicles — fleet cars, vans, HGVs, and business-use vehicles — lose measurable market value after a non-fault accident. That loss is recoverable. Most businesses never claim it.
When a business vehicle is involved in a non-fault accident, the repair costs are typically recovered from the at-fault insurer. What most businesses — including large fleet operators — fail to recover is the diminution in value: the measurable reduction in the vehicle's market value that the accident history permanently causes.
For fleet operators, this matters at scale. A fleet of 10 vehicles experiencing non-fault accidents over a 3-year period, each sustaining moderate damage, could easily accumulate £15,000–£25,000 in unrecovered value loss — a cost the business simply absorbs at disposal or end-of-lease.
Under Payton v Brooks [1974], this loss is legally recoverable from the at-fault insurer. It is not automatic — it requires a formal claim with professional documentation. Our pack provides exactly that.
Indicative figures. Actual loss depends on vehicle values and damage severity.
Managing multiple claims?
CMR Pro is built for FCA-authorised claims management companies handling multiple vehicle value loss cases — with full case management, email integration, and professional report generation.
View CMR Pro →If it carries a registration plate and has a verifiable market value, it qualifies for a diminution in value claim.
Company cars assigned to employees or used for sales. Accident history affects residual values and end-of-lease penalties.
Rigid trucks, curtainsiders, flat-beds, and multi-wheel vehicles. Higher base values mean larger absolute value loss figures.
Directors' vehicles, company pool cars, and professionally driven saloons all carry resale value that an accident history measurably reduces.
Refrigerated units, mobile workshops, welfare vehicles, and custom-body conversions. The conversion adds value that is also at risk.
Even leased vehicles generate a value loss that the at-fault insurer is responsible for — often reflected in end-of-agreement penalties or increased future lease costs.
A sole trader's van or car is a personal business asset. The financial impact of accident history is direct and immediate.
The same professional evidence pack used by individuals and fleet operators to recover commercial vehicle value loss from at-fault insurers. Formatted for direct submission — no solicitor required.
Applied to pre-accident market value from live VRM data.
Enter your vehicle registration, answer a few questions about the accident, and get your professional evidence pack — ready to send to the at-fault insurer.
Individual pack: £49.99 one-off · Fleet management: CMR Pro from £299/year
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