GDPR-compliant
Independent valuations
EU-based team
Active in FR / DE / NL
How insurers quietly shrink your payout
You deserve fair compensation. Here's what's working against you.
Low first offers
The opening offer is rarely the real value of your car — it's a starting point designed in the insurer's favour.
Complex process
Dispute processes are deliberately confusing to discourage challenges.
Expertise is scarce
Fighting claims is not an everyday thing, expertise is difficult to find and expensive — until now.
The Valofair Process
From documents to settlement in 6 simple steps
Upload
Share your insurer letter, photos and vehicle details — OCR extracts every field automatically
AI reads everything
Document classification and structured extraction in seconds, with no manual data entry
Domain-specific analysis
Insurer-specific valuation logic applied to European market data, reviewed by human experts
Dispute drafted
A country-compliant dispute letter built from your evidence and our precedent database
We manage the process
With your approval and authority we initiate communication with the insurance. You are updated in real time as negotiations proceed.
You get a fair claim.
Equipped with data and expertise we negotiate the uplift to receive an improved payout.
Our services
Every plan includes our full AI analysis and dispute service. Claims Advance is available if you need cash now.
Full dispute service
- ✓Instant valuation gap detection
- ✓Domain-specific analysis built on European market data and expert review
- ✓Country-compliant dispute letter drafting
- ✓Evidence gathering guidance
- ✓Settlement negotiation support
- ✓Multi-country compliance
Claims Advance
- ✓90% of insurer offer in 48 hours
- ✓We absorb the dispute risk
- ✓Refundable deposit returned at close
- ✓Pay the success share only on uplift
You only pay when we increase your payout
We help you get more from your insurance. Choose how you want to pay based on your risk appetite.
Success Fee
Success fee. No win. No fee.
Hybrid Fee
*(non-refundable)
Keep more of the upside. Best if you want a higher net gain.
Fixed Fee
Keep all of the upside. Best if you expect a large increase.
Claims Advance
Get 90% of the insurer's offer within 48 hours of signing.
Scope agreed first: we share the steps and cost in writing for every case — you decide whether to proceed. Optional law-firm handoff: Our AI and team resolve most disputes without a lawyer. In rare cases that need one, you engage a firm directly and we transfer every document and analysis we have produced — at no extra cost.
Total-loss settlements: what you're entitled to
We build cases on the consumer-protection rules already on your side. Here are the headlines, country by country.
France
Code des Assurances · Art. 1321 Code Civil
- Right to a counter-expertise: appoint your own independent expert automobile to challenge the insurer's valuation.
- Late-payment penalties: insurers owe statutory interest the moment they miss the contractual payout window.
- Many auto policies include protection juridique that funds legal action against your own or the at-fault insurer.
2 years from the insured event
Germany
VVG · §398 BGB
- Right to your own independent Gutachter — and in third-party claims, the at-fault insurer must pay for it.
- Beyond vehicle value: rental car (typically 14 days), merkantiler Minderwert, expert and towing fees.
- Versicherungsombudsmann decisions up to €100,000 are binding on the insurer.
3 years from the end of the year the claim arose
Netherlands
Burgerlijk Wetboek Boek 7 · Wft
- Indemnity principle: the insurer must compensate your actual loss — no under-compensation tolerated.
- Kifid Disputes Committee decisions can be made binding on the insurer.
- Statutory interest accrues for the entire period a valid payout is delayed.
3 years from awareness of the claimable event
Available in your country
Netherlands
BW Book 7 compliance, supervised by AFM and Kifid. Independent dispute resolution for car insurance.
Explore →- United KingdomComing soon
What a dispute looks like in practice
Illustrative examples based on typical cases in our three active markets. Figures are representative, not from real customers.
Renault Clio IV · 2019
68,000 km
Insurer offer
€8,200
Our valuation
€10,400
Gap recovered
+€2,200
Dispute letter citing Code des Assurances Art. L211-1 sent by registered post. Insurer revised offer to €10,200 within five weeks.
Peugeot 3008 · 2021
42,000 km
Insurer offer
€16,500
Our valuation
€20,800
Gap recovered
+€4,300
Independent valuation found 8 comparable listings. Formal dispute resolved at €20,200 — gap of €3,700 recovered.
Volkswagen Golf VIII · 2020
55,000 km
Insurer offer
€17,900
Our valuation
€21,100
Gap recovered
+€3,200
Gutachter report submitted alongside comparable market data. Insurer accepted revised figure of €20,800 within four weeks.
BMW 320d · 2018
89,000 km
Insurer offer
€14,600
Our valuation
€16,900
Gap recovered
+€2,300
Versicherungsombudsmann procedure initiated. Binding decision confirmed underpayment; settlement reached at €16,600.
Toyota Yaris · 2021
31,000 km
Insurer offer
€15,200
Our valuation
€17,600
Gap recovered
+€2,400
Wft-grounded dispute letter filed with Kifid. Insurer settled at €17,400 within eight weeks of submission.
Volkswagen Polo VI · 2019
73,000 km
Insurer offer
€9,800
Our valuation
€11,000
Gap recovered
+€1,200
Formal bezwaarprocedure resulted in insurer acknowledging depreciation error. Settlement reached at €10,800.