For Insurers
A Structured Audit Trail for RTA Insurers
A successful recovery can reduce ongoing losses and future claim costs.
01 · Why It Matters
Recovery you can follow
The programme documents progress through Professional Review Notes, where your client’s professional adds dated entries. Your team can see how recovery is moving over time.
A joined-up view of recovery
Serious injury claims often stall where physical, pain and psychological recovery affect each other. The programme helps the client understand how these connect, and the professional’s reviews record where recovery needs more support.
A more considered return to work
Loss of earnings is often the largest cost in a serious injury claim. The programme helps the client understand pacing and their own limits, and the professional’s reviews give your team a clearer picture of readiness before and during a return.
Illustrative example
Returning to a short walk outside
An illustrative record of client-reported changes over time.
| Review point | Physical progress | Pain | Mood and confidence |
|---|---|---|---|
| First review | Reports stopping frequently and being unable to complete the route. | Pain increases during the walk. | Feels anxious about going outside and discouraged by their limitations. |
| Later review | Completes the same route with fewer stops. | Pain continues; needs rest afterwards. | Feels encouraged by progress, but still worries about managing alone. |
| Subsequent review | Completes the route more comfortably and regularly. | Pain still limits some other daily activities. | Reports improved mood and greater confidence outdoors; some anxiety remains. |
A documented picture of what is improving across recovery, and what still needs rehabilitation support.
02 · Which Claims It Suits
- Long-term recovery after serious road traffic trauma, beyond the acute phase
- Multi-trauma, where pain, emotional and physical recovery are bound up together
- Claims where recovery progress and continuing needs are unclear
- Recovery has slowed, or rehabilitation spend is rising without clear progress
- A return to work is planned, or has already broken down
03 · Fits Around Your Claims Process
One place at a time
Purchase a single programme place, with no organisation-wide commitment. Available for 3 months from your organisation’s first purchase.
No new provider
It works alongside the client’s existing case manager or treating professional.
Existing reporting arrangements
Updates arrive through your existing reporting arrangements.
Dated Professional Review Notes
Your client’s professional documents progress within the programme, feeding into their existing reporting.
After 3 months, new client places are available through an annual organisational licence. Existing clients retain access to their programme. Assessments, reviews and reports remain with the client’s rehabilitation team and are not included in the programme place.
04 · How It Works
1
Propose programme access
Your claims team introduces the programme to the client’s existing case manager or treating professional, using the programme overview supplied by TPS.
2
Confirm suitability and participation
The professional considers suitability, agrees the review and reporting arrangements, and discusses the programme with the client, who decides whether to participate.
3
Complete the programme
The client works through the sessions and shares relevant information with their professional.
4
Review recovery progress
The professional considers that information alongside their assessment and documents progress in dated Professional Review Notes, using these to prepare relevant updates through agreed reporting arrangements.
5
Inform rehabilitation decisions
Your claims team considers those updates when assessing rehabilitation recommendations and deciding what support to authorise.
05 · The Programme
A five-session guided recovery support programme for people recovering after serious road traffic trauma, used alongside their existing rehabilitation.
Each session combines a guided video presentation, recovery guidance and tools for reflection, planning and tracking progress.
Session 1
Understanding Your Journey
Session 2
Dealing with Grief and Mindset
Session 3
Setting and Reviewing Recovery Goals
Session 4
Tracking and Reviewing Recovery Patterns
Session 5
Reflecting on Recovery and Planning What Comes Next
✓ Peer-reviewed paper published in BMJ Considerations in Medicine
✓ Developed from lived experience, informed by research and informal trials with RTA survivors
✓ Used alongside existing professional care
✓ Founded by Esther Christopher, a survivor of serious road traffic trauma with a background in insurance and reinsurance
Foundations of Recovery is a guided recovery support programme. It is not therapy, clinical assessment, crisis support or a claims assessment tool. TPS does not receive documented progress or individual records.
06 · Next Steps
Start with one client
Start with introductory access for a suitable client. Complete the organisational enquiry form to request a proposal setting out introductory access and annual licence options.
Complete the organisational enquiry form →