Turn your credit-checked database into qualified claims.
Hand us the credit data your firm already holds. The Valifi Claims Engine enriches it with vehicle history, finance details, and emissions data — surfacing claim opportunities your existing customers didn't know they had.
“Every customer in your book is a potential claim across multiple categories. The data tells you which.”
— Valifi Claims Intelligence
What your database is worth
£65.1m
Estimated total claim value across all five tracks at your current scenario.
103k
Records flagged across 5 tracks
26k
Estimated converted claims
£2.5k
Blended average claim value
191×
Return on Valifi spend
Powered by Valifi credit data and the MotorCheck vehicle intelligence platform. No new credit footprint. Every record processed under your existing consent.
How it works
One database in. Five claim opportunities out.
The Valifi Claims Engine runs the data waterfall. Cheaper claim tracks resolve early. Expensive enrichment only fires when the previous stage flags a candidate.
Client Input
Credit-checked database
Name, DOB, address, agreement numbers, lender names
Valifi Claims Engine
Stage 2 . Vehicle Resolution
Discover vehicles linked to each customer
Returns VRM, model, lender, agreement type and dates per vehicle
Stage 3 . Identity Enrichment
Confirm fuel, registration, keepers, EM Code for diesels
Definitive DVLA fuel, regDate, VIN, Euro stage and NOx for diesels
Stage 4 . Conditional History
Provenance, taxi history, previous adverts
Skipped for PCP-only and diesel-only tracks. Fires only on enabled claim types.
Stage 4B . Used Vehicle Valuation
Contemporaneous valuation at write-off date
Vehicle data provided by MotorCheck
Claim Outcomes
Mis-Sold PCP
Stages 1-2 only
low cost
Diesel Emissions
Stages 1-3
low cost
Write-Off Underpayment
Stages 1-4 + valuation
full funnel
Ex-Taxi Mis-Sold
Stages 1-4
mid cost
EV Range Mis-Sold
Stages 1-4
mid cost
Claim opportunities
Five distinct claim tracks from one input.
Each track targets a different consumer claim. Pick which tracks to enable for your book — pricing scales accordingly.
Mis-Sold PCP
Identify finance agreements falling within the FCA motor finance review window. Lender, agreement type and dates flow directly from Stage 2.
Evidence: Discretionary commission disclosure, agreement dates within review scope.
Diesel Emissions
Stage 3 returns Euro stage and real-world NOx via the Identity EM Code lookup. Filter against the affected makes and date windows your firm targets.
Evidence: Confirmed diesel, Euro 5 or 6, NOx exceeding type-approval limits.
Write-Off Underpayment
Stage 4 surfaces write-off and salvage flags. A used vehicle valuation, fired only on flagged records, gives the law firm the value-at-write-off baseline.
Evidence: Total-loss register entry, salvage destination, contemporaneous valuation.
Ex-Taxi Mis-Sold
The provenance bundle includes a taxi history check. 75% of taxi-related complaints reaching the FOS in our reference dataset were upheld in the consumer's favour.
Evidence: Prior taxi or private hire registration, undisclosed at point of sale.
EV Range Mis-Sold
Two routes to a claim. The advertised range at point of sale, drawn from previous-ads data, is the basis for misrepresentation claims under the Consumer Rights Act. The second route applies where the battery has since degraded: if the dealer cannot evidence with a contemporaneous battery certificate that the fault was not present or emerging at the date of sale, the FOS has consistently upheld claims and returned the full cost of the vehicle.
Evidence: Confirmed EV/PHEV, advertised range at point of sale, and the absence of a battery certificate to rebut the claim. 80% upheld rate at FOS, 2026 YTD.
Database enrichment cost
Proof-of-concept rates locked at the 100,000-record tier. Submit any volume up to the ceiling at the same unit prices.
Claim tracks enabled
Mis-Sold PCP
Stages 1–2 only
Diesel Emissions
Stages 1–3
Write-Off Underpayment
Stages 1–4 + valuation
Ex-Taxi Mis-Sold
Stages 1–4
EV Range Mis-Sold
Stages 1–4
Of qualifying records, what % convert to a settled claim. Adjust to see how the return flexes.
Vehicles processed
140,000
From 100,000 customer records
Valifi enrichment cost
£341,174
£3 per customer record
Credit Check Response
Customer records → vehicle agreements
Identity Enrichment
DVLA fuel, regDate, VIN, EM Code
Provenance Check
Write-off, salvage, stolen, keepers
Taxi & Usage Check
Prior taxi or private hire flag
Previous Ads Check
Historic listings and advertised range
Used Vehicle Valuation
Conditional, on write-off flag only
Total Valifi cost
£341,174Rates apply at any volume up to the 100,000-record proof-of-concept ceiling. Standard banded pricing applies on subsequent contract.
Estimated qualifying records and claim value per track
Mis-Sold PCP
35,000
35.0% qualifying · 8,750 converted
£13.1m total claim value
Diesel Emissions
49,000
35.0% qualifying · 12,250 converted
£12.3m total claim value
Write-Off Underpayment
9,800
7.0% qualifying · 2,450 converted
£7.35m total claim value
Ex-Taxi Mis-Sold
3,500
2.5% qualifying · 875 converted
£4.38m total claim value
EV Range Mis-Sold
5,600
4.0% qualifying · 1,400 converted
£28.0m total claim value
Return on investment
What your book is actually worth.
Your spend with Valifi sits on the left. The total claim value your book represents sits in the middle. The right-hand figure is your return on every pound spent.
Your spend with Valifi
£341k
Total enrichment cost across all enabled tracks
Total claim value
£65.1m
Across all enabled tracks at 25% conversion
Return on every £1 spent
191×
Total claim value divided by spend
Claim value contribution per track
Mis-Sold PCP
8,750 claims × £1.5k
£13.1m
Diesel Emissions
12,250 claims × £1.0k
£12.3m
Write-Off Underpayment
2,450 claims × £3.0k
£7.35m
Ex-Taxi Mis-Sold
875 claims × £5.0k
£4.38m
EV Range Mis-Sold
1,400 claims × £20k
£28.0m
Get in touch
Ready to put your book to work?
Drop us an email with a few details about your firm and book size, and we'll be in touch within one working day to set up a proof of concept.