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Loss Recovery Services

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Expert claims support when it matters most

At Clear, we understand that when a loss occurs, you need more than a standard claims process, you need clarity, expertise, and reassurance. That’s why we’ve partnered with two of the UK’s leading claims advocacy providers, Qlaims and Lorega, to deliver professional loss recovery support for property damage and business interruption claims.

Together, these services combine technical expertise with digital innovation, helping clients navigate complex claims, accelerate recovery, and protect long-term value.

As a Clear client, you also benefit from preferential access and enhanced support through our partnership.

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About Qlaims

Qlaims is an independently owned, technology-driven Managing General Agent (MGA), backed by insurers rated A+ by Standard & Poor’s (S&P).

Their flagship product, Loss Recovery Insurance (LRI),  covers the cost of appointing a qualified claims specialist authorised by the Financial Conduct Authority (FCA) to manage property and business interruption claims exceeding £5,000.

With a nationwide panel of CILA-certified adjusters, Qlaims combines professional expertise with cutting-edge digital tools to reduce stress, speed up recovery, and improve outcomes for both businesses and homeowners.

About Lorega

Lorega is a Chartered insurance underwriting agent, authorised and regulated by the FCA. Through its subsidiary, Lorega Solutions, clients benefit from the guidance of a Chartered Loss Adjuster who manages every stage of the claims process, from mitigation and loss quantification to negotiation and final settlement.

Acting exclusively in the policyholder’s interest, Lorega blends technical precision with empathetic service, ensuring that claims are resolved with clarity, confidence, and care.

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Integrated claims support

Through our partnerships with Qlaims and Lorega, we provide comprehensive advocacy and recovery services across:
Green Icon Commercial Property

Commercial Property

Business Protection

Business Interruption

Green Icon Residential Property

Residential Property

Green Icon Lease And Dilapidations

Subsidence (handled by Qlaims)

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Terrorism

Green Icon People

Accidental Landlord scenarios

Green Icon Commercial Combined

Post-event advocacy and claim file reviews

 

 

Clients are supported by a dedicated claims specialist, selected for their technical expertise and matched to the nature of the loss.
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Real-time insights and strategic support

Both Qlaims and Lorega offer digital platforms that provide brokers and clients with real-time visibility into claim progress.

For brokers, this includes:

  • Detailed root cause analysis
  • Performance benchmarking across claim portfolios
  • Actionable insights to reduce future exposure

Clear collaborates with both providers to interpret this data, delivering strategic intelligence that enhances decision-making, claim outcomes, and client confidence.

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Bridging the claims expertise gap

Most UK property insurance policies do not cover the cost of preparing or negotiating a claim, leaving policyholders to handle complex losses alone.

Qlaims and Lorega bridge this gap by providing professional advocacy that:

  • Minimises disruption and downtime
  • Improves accuracy and speed of settlement
  • Reduces financial and operational impact
  • Enhances the client experience and overall claim satisfaction

Whether facing a complex business interruption loss or a high-value residential claim, our partners ensure you are supported, informed, and protected from start to finish.

Next steps

If your insurance policy includes cover for buildings, stock, contents, or machinery, adding Loss Recovery Insurance could provide significant value and peace of mind. To learn more or to arrange support through Qlaims or Lorega, please speak to your Clear Contact.

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