How do you calculate my recovery share?

At the end of the month you’ll receive a billing email showing your share of the month's claims cost, meaning how much we are going to charge you.

We charge you based on the cost of claims that have occurred in the previous month. 80% of which will be the cost of fulfilling claims, 20% will be our fee. This will include IPT.

If it's your first month with us, don't worry! We don't charge you for the whole month - just for the days after you have signed up. Your policy will roll over at the beginning of the next month and we'll start the calculation afresh.

Should your calculated share be higher than your personal cap, you'll only pay the cap, and we'll pass the rest on to our insurance partner, Zurich UK.

Fair and square.