How much compensation can I claim for my injury?
Use our fast and accurate injury calculator to calculate how much general and special damages compensation you could receive for your injuries.
The amount of money you could claim for your injury will depend on:
- the extent of your injury, and
- any financial losses or costs you have incurred.
At the start of your claim, your solicitor will consider the many ways your injury has affected your life. Your solicitor will take all of these effects into account to calculate the correct compensation award for you.
This calculation will factor in 'general damages' and 'special damages'.
General damages are awarded for pain, suffering and loss of amenity (PSLA).
Awards for general damages are set by the Judicial College and published in their guidelines for personal injury awards.
Special damages are for financial losses and expenses you have incurred as a result of the accident.
What can I claim for after an injury? (see list)
Examples of special damages (losses you can claim for) include:
- Lost earnings (including future earnings)
- Medical treatment costs
- Travel costs
- Costs of care
- Costs of adapting your home or car
Find out what your injury claim could be worth now
Assessing a claim's value at the outset can be complicated, particularly if you have multiple injuries.
If you would like a FREE claim estimate with no obligation to start a claim, call 0800 612 7456.
Alternatively, our compensation calculator will give you an instant estimate of what your claim is worth.
Compensation calculators take into account the nature and severity of the injury and then refer to the Judicial College Guidelines to give an upper and lower estimate of the likely compensation award if the claim is successful.
Online calculators have been available on personal injury solicitors websites for a number of years. However, many of these rely on out-of-date data and do not consider recent changes to the law.
When using an online injury calculator, be aware that many:
- calculators are out of date - it should refer to the Guidelines for the Assessment of General Damages in Personal Injury Cases, Fourteenth Edition by the Judicial College.
- don't include special damages - which should factor in loss of earnings, care costs, treatment costs and any other costs or losses
- don't tell you if you have a claim
- don't calculate deductions - e.g success fees and any other fees that may be hiding in the conditional fee agreement (CFA)
The following tables refer to the Guidelines for the Assessment of General Damages in Personal Injury.
Please click on the '+' symbols to expand the tables:
|Head, brain and senses|
|Brain damage||Less severe brain damage||£12,210 to £34,330|
|Minor brain or head injury||£1,760 to £10,180|
|Moderate brain damage||£34,330 to £174,620|
|Moderately severe brain injury||£174,620 to £224,800|
|Very severe brain damage||£224,800 to £322,060|
|Deafness/tinnitus||Either slight hearing loss or slight tinnitus||Up to £5,590|
|Mild tinnitus with some hearing loss||£10,040 to £11,890|
|Moderate hearing loss||£11,890 to £23,670|
|Moderate tinnitus and hearing loss||£11,890 to £23,670|
|Moderate to severe tinnitus||£11,890 to £23,670|
|Severe tinnitus and partial hearing loss||£23,670 to £36,310|
|Slight or occasional tinnitus with slight hearing loss||£5,870 to £10,040|
|Total deafness||£72,330 to £87,410|
|Total deafness and loss of speech||£87,410 to £112,100|
|Total loss of hearing in one ear||£24,950 to £36,310|
|Epilepsy||Established grand mal||£81,310 to £119,650|
|Established petit mal||£43,710 to £104,660|
|Other epileptic conditions||£8,480 to £10,950|
|Facial injury||Simple nose fracture||£1,360 to £2,010|
|Simple cheekbone fracture||£1,850 to £2,390|
|Simple jaw fracture||£5,150 to £6,960|
|Loss or damage to front tooth||£1,760 to £3,150|
|Loss or damage to back teeth (per tooth)||£870 to £1,360|
|Displaced nose fracture requiring surgery||£3,150 to £4,070|
|Displaced nose fracture||£2,010 to £2,510|
|Simple cheekbone fracture needing surgery||£3,470 to £5,150|
|Serious jaw fracture||£14,320 to £24,300|
|Loss or damage to two front teeth||£3,470 to £6,080|
|Multiple facial fractures||£11,890 to £19,090|
|Serious nose fracture with permanent damage||£8,480 to £18,440|
|Serious cheekbone fracture||£8,130 to £12,580|
|Serious multiple jaw fractures||£24,300 to £36,310|
|Loss or damage to several front teeth||£6,960 to £9,100|
|Le Fort fractures of facial bones||£18,980 to £29,290|
|Chronic tooth pain with general deterioration||Up to £30,390|
|Impairment of taste and smell||Loss of smell||£19,920 to £26,230|
|Loss of taste||£15,300 to £19,920|
|Total loss of smell and significant loss of taste||£26,230 to £31,220|
|Total loss of taste and smell||In the region of £31,220|
|Injury affecting sight||Complete loss of sight in one eye||£39,270 to £43,710|
|Loss of sight in one eye with reduced vision in the remaining eye||£50,970 to £84,510|
|Minor eye injury||£3,150 to £6,960|
|Minor permanent damage to vision in one or both eyes||£7,270 to £16,720|
|Serious loss of vision in one eye||£18,880 to £31,320|
|Total blindness||£214,210 to £214,250|
|Total blindness and deafness||In the region of £322,060|
|Total loss of one eye||£43,710 to £52,360|
|Transient (short lived) eye injury||£1,760 to £3,150|
|Post-traumatic stress disorder||Less severe post-traumatic stress disorder||£3,150 to £6,520|
|Moderate post-traumatic stress disorder||£6,520 to £18,450|
|Moderately severe post-traumatic stress disorder||£18,450 to £47,720|
|Severe post-traumatic stress disorder||£47,720 to £80,250|
|Psychiatric damage generally||Less severe psychiatric damage||£1,220 to £4,670|
|Moderate psychiatric damage||£4,670 to £15,200|
|Moderately severe psychiatric damage||£15,200 to £43,710|
|Severe psychiatric damage||£43,710 to £92,240|
|Neck and back injury|
|Back injury||Back injury causing chronic permanent symptoms||£30,910 to £55,590|
|Back injury causing permanent symptoms||£9,970 to £22,130|
|Back injury causing serious permanent symptoms||£22,130 to £30,910|
|Back injury recovering in 2-5 years||£6,290 to £9,970|
|Back injury recovering in a few months at most||Up to £1,950|
|Back injury recovering in up to 2 years||£1,950 to £6,290|
|Serious back injury causing significant permanent impact||£59,120 to £70,490|
|Severe back injury with spinal cord damage||£72,620 to £128,320|
|Neck injury||Minor neck injury||Up to £6,290|
|Neck injury bringing other problems forward or making them worse||£6,290 to £10,960|
|Neck injury causing spondylosis, serious limitation of movement or permanent/recurring pain||£10,960 to £19,920|
|Neck injury involving fractures, dislocations or severe soft tissue (muscle) damage leaving chronic permanent symptoms||£36,240 to £44,630|
|Neck injury involving fractures, dislocations or severe soft tissue (muscle) damage recovering to a restricted level||£19,920 to £30,690|
|Neck injury recovering completely in 1-2 years||£3,470 to £6,290|
|Neck injury recovering completely in up to a year||£1,950 to £3,470|
|Serious neck injury involving fractures or damage to discs||£52,390 to £104,370|
|Severe neck injury||£36,240 to £118,240|
|Whiplash||Full recovery within 3 months||£300 to £1,950|
|Full recovery between 3 months and 1 year||£1,950 to £3,470|
|Recovery between 1 and 2 years (see "neck injury" for longer-term whiplash injury)||£3,470 to £6,290|
|Minor shoulder injury||Up to £6,290|
|Moderate shoulder injury||£6,290 to £10,180|
|Serious shoulder injury||£10,180 to £15,300|
|Severe shoulder injury||£15,300 to £38,280|
|Amputation of arms||Loss of both arms||£191,950 to £239,140|
|Loss of one arm above the elbow||£87,410 to £104,370|
|Loss of one arm at the shoulder||No less than £109,330|
|Loss of one arm below the elbow||£76,650 to £87,410|
|Hand injury||Fracture of one finger||Up to £3,790|
|Fractured index (first) finger leaving permanent symptoms||£7,270 to £9,760|
|Loss of a little finger||£6,890 to £9,760|
|Loss of a middle finger||Up to £12,460|
|Loss of a thumb||£28,310 to £43,710|
|Loss of an index (first) finger||In the region of £14,930|
|Loss of both hands, or loss of use of both hands||£112,100 to £160,600|
|Loss of index finger and middle or ring finger||£49,350 to £72,330|
|Loss of one hand, or loss of use of one hand||£76,650 to £87,410|
|Loss of part of a little finger||£3,150 to £4,670|
|Loss of part of an index (first) finger||£9,700 to £14,930|
|Loss of ring and little finger||In the region of £17,380|
|Loss of the end of a ring or middle finger||£3,150 to £6,260|
|Loss of the end of the middle and first finger||In the region of £19,920|
|Minor hand injury||Up to £3,460|
|Moderate thumb injury||£7,700 to £10,040|
|Serious damage to both hands||£44,550 to £67,410|
|Serious hand injury with full or close to full recovery||£4,640 to £10,580|
|Serious hand injury with significant loss of use of the hand||£23,110 to £49,350|
|Serious ring or middle finger injury causing permanent loss of grip||£11,890 to £13,020|
|Serious thumb injury||£10,040 to £13,360|
|Severe fractured fingers leading to possible amputation||Up to £29,290|
|Severe thumb dislocation||£3,150 to £5,410|
|Thumb injury recovering in a short time||Up to £1,760|
|Thumb injury recovering in around 6 months||Up to £3,150|
|Very serious thumb injury||£15,620 to £27,910|
|Injury to the elbow||Elbow injury causing some long term problems||£12,480 to £25,510|
|Elbow injury not causing significant long term problems||Up to £10,040|
|Severe, disabling elbow injury||£31,220 to £43,710|
|Other arm injury including fractures and nerve damage||Fractured forearms (between the elbow and the wrist)||£5,280 to £15,300|
|Serious arm injury leaving permanent and substantial effects||£31,220 to £47,720|
|Serious arm injury leaving some long lasting effects||£15,300 to £31,220|
|Severe arm injury||£76,650 to £104,370|
|Vibration white finger and/or hand arm vibration syndrome||Vibration white finger and/or hand arm vibration syndrome affecting both sides in a younger person causing a change in job||£25,220 to £30,630|
|Vibration white finger and/or hand arm vibration syndrome causing minor symptoms||£2,390 to £6,890|
|Vibration white finger and/or hand arm vibration syndrome causing symptoms in cold weather||£6,890 to £13,360|
|Vibration white finger and/or hand arm vibration syndrome causing year round symptoms||£13,360 to £25,220|
|Work-related upper limb disorders||Work-related upper limb disorders causing continuing problems needing surgery, preventing working||£17,460 to £18,440|
|Work-related upper limb disorders causing continuing problems on one side||£11,890 to £13,020|
|Work-related upper limb disorders recovering completely within 3 years||£6,890 to £8,570|
|Work-related upper limb disorders recovering within a few months at most||£1,760 to £2,810|
|Wrist injury||Colles wrist fractures||In the region of £5,920|
|Serious wrist injury causing significant permanent problems||£19,530 to £31,220|
|Severe wrist injury causing loss of function of the wrist||£37,960 to £47,720|
|Wrist fractures and other injury recovering in up to one year||£2,810 to £3,790|
|Wrist injury causing permanent pain and stiffness||£10,040 to £19,530|
|Wrist injury taking around two years to heal completely||Up to £8,160|
|Injury to the pelvis and hips|
|Extensive fractures causing serious long term problems||£62,490 to £104,370|
|Hip or pelvis fractures causing long term problems||£49,350 to £62,490|
|Hip or pelvis fractures needing surgery||£31,220 to £41,860|
|Hip or pelvis injury leaving minimal or no long term problems||£3,150 to £10,040|
|Minor hip or pelvis soft tissue (muscle) injury||Up to £3,150|
|Significant hip or pelvis injury leaving some long term problems||£10,040 to £21,200|
|Significant hip or pelvis injury without serious permanent damage||£21,200 to £31,220|
|Injury to the legs and feet|
|Achilles tendon||Minor achilles tendon injury||£5,800 to £10,040|
|Partial achilles rupture or significant tendon damage||£10,040 to £16,800|
|Severed achilles tendon and muscle injury||In the region of £30,630|
|Severed achilles tendon successfully repaired by surgery||£19,920 to £23,980|
|Ankle injury||Ankle injury causing some permanent problems||£10,960 to £21,200|
|Ankle injury recovering completely or leaving mild symptoms||Up to £10,960|
|Severe ankle injury causing permanent problems walking||£24,950 to £39,910|
|Very severe rare ankle injury||£39,910 to £55,560|
|Foot injury||Common foot injury, most healing completely||Up to £10,960|
|Displaced metatarsal fractures with permanent symptoms||£10,960 to £19,920|
|Loss of both feet||£135,030 to £160,600|
|Loss of one foot||£66,930 to £87,410|
|Serious foot injury||£19,920 to £31,250|
|Severe injury to one or both feet||£33,460 to £55,830|
|Very severe permanent foot injury||£33,460 to £87,410|
|Knee injury||Knee injury causing mild long term problems||£11,820 to £20,880|
|Knee injury causing serious long term problems||£20,880 to £34,660|
|Knee injury that recover completely or leave minimal symptoms||Up to £10,960|
|Leg fractures which include the knee joint||£41,550 to £55,590|
|Severe knee injury||£55,590 to £76,690|
|Leg injury||Fractured femur (thigh bone)||£7,270 to £11,220|
|Fractured tibia or fibula (lower leg) or soft tissue injury||Up to £9,440|
|Leg fractures or soft tissue injury causing some permanent problems||£14,320 to £22,130|
|Loss of both legs||£191,950 to £224,800|
|Loss of both legs below the knee||£160,600 to £215,310|
|Loss of one leg above the knee||£78,100 to £106,010|
|Loss of one leg below the knee||£83,550 to £109,570|
|Serious leg injury leaving permanent problems||£31,250 to £43,710|
|Severe crushing injury and serious or complicated leg fractures||£21,100 to £29,800|
|Severe leg injury without amputation||£76,730 to £108,370|
|Very serious leg injury leaving permanent problems||£43,710 to £67,410|
|Toe injury||Loss of a big toe||In the region of £24,950|
|Loss of all of the toes on a foot||£29,110 to £44,710|
|Serious injury to the big toe or to several other toes||£7,650 to £10,960|
|Severe toe injury including amputations||£10,960 to £16,800|
|Toe injury not leaving significant long term problems||Up to £7,650|
|Minor injury recovering in 28 days||£550 to £1,090|
|Minor injury recovering in 3 months||£1,090 to £1,950|
|Minor injury recovering in 7 days||Up to £550|
|Moderate complex regional pain syndrome||£22,340 to £41,860|
|Moderate pain disorders generally||£16,800 to £30,690|
|Severe complex regional pain syndrome||£41,860 to £66,970|
|Severe pain disorders generally||£33,590 to £50,210|
|Injury involving paralysis|
|Temporary paraplegia||In the region of £39,330|
|Paraplegia||£174,620 to £226,610|
|Tetraplegia or quadraplegia||£258,740 to £322,060|
|Injury to internal organs|
|Bladder||Up to £112,100|
|Digestive system||Severe damage from trauma||£34,280 to £49,350|
|Serious non-penetrating injury||£13,380 to £22,130|
|Penetrating injury||£5,280 to £10,040|
|Severe toxicosis||£30,630 to £41,860|
|Serious short-term food poisoning||£7,600 to £15,300|
|Food poisoning||£3,150 to £7,600|
|Disabling cramps and diarrhoea||£730 to £3,150|
|Kidney injury||Loss of one kidney||£24,530 to £35,780|
|Risk of future loss of kidney function||Up to £51,000|
|Serious and permanent damage to or loss of both kidneys||£135,030 to £167,690|
|Bowel injury||Injury with a return to natural function and control||£10,040 to £19,520|
|Abdominal injury impairing function||£35,540 to £55,590|
|Double incontinence and total loss of function||Up to £146,840|
|Total loss of bowel function||Up to £119,650|
|Bladder injury||Full or near-complete recovery||£18,660 to £24,950|
|Serious impairment of bladder control||£51,000 to £63,720|
|Total loss of bowel and bladder function||Up to £146,840|
|Chest injury||Chest injury causing some permanent tissue damage but no significant long-term lung problem||£10,040 to £14,320|
|Damage to the chest and lungs causing some continuing disability||£24,950 to £43,710|
|Fractured ribs or muscle injury to the rib cage and chest||Up to £3,150|
|Injury causing lungs to collapse||£1,750 to £4,240|
|Injury from inhaling toxic fumes or smoke||£4,240 to £10,040|
|Total removal of one lung and/or serious heart damage||£80,250 to £119,650|
|Traumatic injury to the chest, lungs or heart with permanent damage and reduced life expectancy||£52,390 to £80,250|
|Spleen injury||Loss of spleen with low risk of future infection||£3,470 to £6,890|
|Loss of spleen with continuing risk of infection or immune disorders||£16,580 to £20,950|
|Lung disease||Breathing difficulties needing use of an inhaler||£24,950 to £43,710|
|Bronchitis and wheezing||£15,300 to £20,950|
|Lung cancer in older people||£55,830 to £77,580|
|Lung diseases such as emphysema||£43,670 to £55,830|
|Serious life-threatening lung disease in young people||£80,250 to £108,370|
|Short term aggravation of bronchitis or other chest problems||£1,760 to £4,240|
|Slight breathlessness that recovers completely in a few years||£8,480 to £16,580|
|Hernia injury||Uncomplicated indirect inguinal hernia||£2,710 to £5,760|
|Direct inguinal hernia with risk of recurrence||£5,590 to £7,270|
|Continuing pain or limitation of physical activities||£11,890 to £19,260|
|Reproductive system: female||Infertility with no desire to have children||£5,280 to £10,040|
|Failed sterilisation||In the region of £8,130|
|Ectopic pregnancy delay but fertility not affected||£2,700 to £16,280|
|Infertility without medical complication||£14,320 to £29,290|
|Infertility following ectopic pregnancy||£27,140 to £81,420|
|Infertility caused by disease with depression||£91,600 to £135,030|
|Reproductive system: male||Impotence for a middle aged man with children||£34,280 to £62,490|
|Impotence, loss of sexual function and sterility in a young man||In the region of £118,240|
|Sterility in cases where it has minimal impact||In the region of £5,280|
|Sterility without impotence for a family man who intended to have more children||£18,880 to £24,950|
|Sterility without impotence for a young man without children||£44,710 to £56,870|
|Sterility, caused by accident, illness or clinical negligence||In the region of £112,100|
|Sterility, caused by accident, illness or clinical negligence to the elderly||In the region of £14,960|
|Asbestos-related disease||Asbestosis and pleural thickening with low respiratory disability||£12,020 to £30,630|
|Asbestosis and pleural thickening with significant respiratory disability||£30,630 to £84,380|
|Lung cancer||£55,830 to £77,580|
|Mesothelioma||£55,830 to £100,350|
|Asthma||Chronic asthma||£20,950 to £34,280|
|Mild asthma and other chest problems resolving quickly||Up to £4,110|
|Mild asthma-like symptoms that are permanent||£8,480 to £15,300|
|Severe permanent asthma with disabling effects||£34,330 to £52,390|
|Scarring to other parts of the body||A single noticeable scar, or several superficial scars not to the face||£1,890 to £6,240|
|After an exploratory laparotomy leaving scarring||In the region of £6,890|
|Burns covering 40% or more of the body||No less than £83,550|
|Several noticeable scars or one disfiguring scar, not to the face||£6,240 to £18,120|
By law, success fees are restricted to a maximum of 25% of the total settlement, and may be less.
So if you are awarded £10,000 compensation, you are required to give £2,500 back to your solicitor.
Compensation will be increased by 10%
It should be noted that, since 2013, compensation awards agreed when there is a conditional fee agreement in place, have been increased by 10% to offset the impact of the success fee deduction.
Why do most solicitors charge a 25% success fee?
Nearly all personal injury solicitors now take 25% of a claimant's compensation. Prior to 2013, this was not the case. So what has changed?
Accident claims compensation payouts
The circumstances surrounding the accident generally only affect your compensation payout if certain conditions apply, including:
- Compensation payouts may be reduced if there was contributory negligence
- Criminal injury compensation payouts may be calculated according to the Criminal Injuries Compensation Authority (CICA) tariff
- Car crash accident payouts may be reduced if the driver who caused the accident is unidentified (e.g. a hit and run) or is uninsured as they may be handled by the Motor Insurers Bureau (MIB)
How does 'split liability' affect the amount of compensation?
Compensation payouts for road accidents could be reduced by as much as 25% or 50%, depending on the circumstances of the collision.
Read more about road accident compensation amounts.
Do I have an injury claim?
A compensation claim should be possible if you were injured:
- in the last three years and;
- someone else was to blame.
It may be that, for example, the accident happened more than 3 years ago, or that you were partly at fault. If so, you may still be able to make a claim.
To get impartial advice on whether you have a claim, speak to injury claims expert on 0800 612 7456.
A brief phone consultation will tell you exactly where you stand. There is no obligation to start a claim.
You can also find out if you have a claim with our Online Claim Checker.
No win, no fee
With a no win, no fee agreement (known as a 'Conditional Fee Agreement' or 'CFA') you can make an injury claim without having to pay upfront legal fees. If your injury claim is unsuccessful you won't have to pay any money to your solicitor.
Our no win, no fee promise
Our no win, no fee guarantee means there is no financial risk in making an injury claim, even if you don't win your claim.
What do I pay if I win my injury claim?
Your injury solicitor will receive a success fee which is deducted from your compensation, after your compensation is awarded. The solicitor's success fee can be up to 25%. You and your solicitor can agree the success fee before you start your claim.
What do I pay if I do not win my injury claim?
If your injury claim is not successful then you will not have to pay any fees.
Please note, under a No Win, No Fee Agreement (CFA), fees may apply if a claimant refuses to cooperate, or abandons their claim after the legal work has started, or if the claim is fraudulent.
How can Quittance help?
Our highly experienced panel of solicitors have an excellent track record of winning injury claims. Your solicitor will fight for the best possible compensation settlement for you.
If you have any questions, or would like to start a No Win No Fee claim, we are open 8am to 9pm weekdays, 9am to 6pm on Saturday, and 9.30am to 5pm on Sunday.
Call us FREE 0800 612 7456 or arrange a callback:Call me back
if you can claim
to start a claim
Disclaimer - 2019 Claims Calculator
The Injury Compensation Calculator refers to the Guidelines for the Assessment of General Damages in Personal Injury Cases, Fourteenth Edition by the Judicial College.
The general damages and special damages you receive will ultimately be calculated according to the circumstances of your case. General damages compensation awards vary according to the severity of injury and how quickly you recover.
The Compensation Claim Report calculation includes the 10% uplift in general damages in line with the Jackson reforms recommendation for claims funded by a conditional fee agreement (CFA). Cases initiated before 1st April 2013 may receive 10% less in general damages than indicated in the calculator.
Every attempt has been made to make all information contained in the report as accurate as possible. However the injury claims calculator is intended as a guide only.
A solicitor will need to collate more information about your situation to be able to give you a more detailed idea of a potential settlement amount as well as how likely you will be to win and how long it could take to receive compensation.
Quittance are a panel of solicitors and we cannot accept any responsibility for the advice provided by individual solicitors.
Calculating compensation for multiple injuries
Multiple injuries are usually defined as being injuries to different parts of the body that occur as the result of a single accident or negligent act. The calculation of compensation for multiple injuries, in most cases, will take into account the relative severity of the injuries and the degree to which they have each affected the injured claimant.
The Court is not likely to "add together" the amounts that would be awarded for the pain and suffering caused by a major injury and a minor injury, if it is established that the pain of the more serious injury effectively masks whatever pain the claimant would have experienced if they had only sustained the minor injury.
Calculations are determined on a case by case basis, and will take into account the impact that the injuries collectively have had on a claimant's life. Multiple injury claims can be considerably more complex than for single injuries. For more information, contact a specialist solicitor.
Criminal injuries compensation (CICA) claims
Compensation for criminal injuries paid by the Criminal Injuries Compensation Authority (CICA) is calculated on the basis of a specific tariff of injuries. A CICA claim can be made for multiple injuries, with compensation awarded on the following basis - 100% of tariff for the most serious injury, 30% of the applicable tariff for the second-most serious and 15% for the third-most serious injury. No payment will be made for more than three injuries sustained a single criminal incident.
Solicitors frequently advise claimants to take out an After the Event (ATE) insurance policy on top of the No Win, No Fee agreement. The ATE policy will cover the legal costs which a claimant must pay to a defendant if their claim is unsuccessful either at trial or if the claim is abandoned or settled after the defendant has incurred costs which the claimant is liable to pay.
The policy should also cover any disbursements incurred by the solicitor on behalf of the claimant, e.g. police and medical reports, Court fees, Counsel's fees etc. Policy premiums vary on the case type and the claims record of the solicitor.
Quittance's panel of solicitors are selected for their excellent claims record, meaning that they have access to lower policy premiums.
Quittance is not regulated to provide insurance advice. Please refer to your solicitor for ATE insurance terms and conditions.