Industry
Insurance Debt Recovery
Premium recovery, subrogation and broker receivables
Insurance recovery covers unpaid premiums, broker balances and subrogation claims — each with its own legal and commercial dynamics.
Typical debts we recover
Unpaid premiumsBroker / intermediary balancesSubrogation recoveriesCo-insurance settlements
Recovery timeline
1
Policy and balance reconciliation 1–14 days
Confirm net premium, taxes and fees
2
Amicable recovery 14–60 days
Engagement with broker / policyholder
3
Lapse / cancellation alignment 30–90 days
Coordination with underwriting
4
Legal recovery 3–12 months
Where balance and viability justify action
Statute of limitations
| Debt type | Period | Note |
|---|---|---|
| Insurance premiums (most EU) | 2–5 years | Often shorter than general contract limits |
| Subrogation | Follows underlying claim | Jurisdiction-specific |
Sector challenges
- •Broker chain complexity
- •Premium financing arrangements
- •Cross-border subrogation
DECOL approach
- •Specialised reconciliation against bordereaux
- •Insurer–broker–insured tripartite communication
- •Cross-border partner network for subrogation