What Oakleafe Claims does

Oakleafe Claims, trading as The Oakleafe Group Limited, is a UK-headquartered (Gidea Park, Romford) FCA-authorised insurance claims management company representing policyholders as loss assessors rather than insurers. The firm operates across three pillars: domestic home insurance claims (fire, flood, escape of water, storm, roof leak, impact, theft, escape of oil), commercial claims (business interruption, commercial fire/flood, marine and hull, cyber crime, aviation, riot) and Professional Services targeting brokers, managing agents and valuers (Broker Shield, Rebuild Cost Analysis, Mid-Term Assessments, Managing Agents support). Verticals were extended via the acquisition of Hilton Thompson Ltd, adding specialist business interruption capability.

The operational platform is built around a manual-adjudication model executed by RICS, CIOB, BDMA, NAPIA and PLA accredited staff, supported by the ClaimTrack client portal (powered by Trackpro). ClaimTrack provides real-time visibility into claim status, documentation and adjuster/surveyor correspondence. Technology is therefore workflow-digitisation rather than AI-native, with no disclosed machine-learning capability, proprietary models or data flywheel.

The revenue model is outcome-based: fees are charged only on successful settlements, typically 5-15% of the settled claim, with no upfront charge to policyholders. Distribution is direct sales-led via a 24/7 phone helpline, multi-step online intake form and an SEO engine covering 90+ UK cities plus an 80+ article blog. Customer acquisition relies on referrals and repeat business (90% of flow). The firm operates from five offices: Gidea Park/Romford (HQ), Glasgow, Stoke-on-Trent, Wateringen (Netherlands) and Dubai (UAE), serves the UK plus continental Europe and the Middle East, and is independently owned with no disclosed parent or external funding.

Name

Oakleafe Claims

Legal name

The Oakleafe Group Limited

Website

https://oakleafe.claims

Company type

Private

Founded year

1914

Operating status

Operating

Headcount range

11–50 employees

Short description

Oakleafe Claims is a UK-based, FCA-authorised loss assessor managing domestic and commercial insurance claims on a success-fee basis for homeowners, businesses, landlords and insurance professionals across the UK, Netherlands and UAE.

Ownership category

akta.pro rank

Product category

Insurance Claims Management

NAICS

Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Claims Advocacy & Loss Recovery Services (FSAEADAH)

Keywords

• Insurance claims management
• Loss assessor services
• Domestic insurance claims
• Commercial insurance claims
• Claims negotiation

Headquarters

HQ city

Romford

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loss Assessor Services: Success-fee based model where no upfront fees are charged. Fees are a percentage of the settled insurance claim, typically ranging from 5% to 15% depending on claim value and complexity.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Oakleafe Claims is an FCA-regulated loss assessor representing policyholders in negotiating and settling insurance claims for both residential and commercial properties. Services cover domestic incidents (fire, flood, water leaks, storm, theft) and commercial claims (business interruption, cyber, marine, aviation) on a success-fee basis, typically 5% to 15% of the final settlement with no upfront fees. The offering is supported by a proprietary ClaimTrack online portal for real-time claim tracking.

Product overview

Oakleafe Claims is an insurance claims management company offering loss assessor services across three main pillars: Domestic Home Insurance Claims, Business Insurance Claims, and Professional Services. The core offering consists of FCA-regulated loss assessment representation for policyholders, supplemented by the ClaimTrack online portal for real-time claim tracking. Domestic services cover fire, flood, water leak, storm, roof leak, impact, theft, and oil escape claims. Commercial services extend to business interruption, marine/hull, cyber crime, aviation, and riot claims. Professional Services include Broker Shield, Rebuild Cost Analysis, Mid-Term Assessments, and Managing Agents support. The company operates from offices in London (HQ), Glasgow, Stoke-on-Trent, The Hague, and Dubai, and has been managing claims since before the First World War. An Academy Graduate Scheme provides career pathways for new loss assessors.

Differentiator

Problem solved

Functional benefit

Brands

• ClaimTrack: Online workflow management system for tracking insurance claim progress, uploading documents and images, and viewing communications with Loss Adjusters and Surveyors
• Broker Shield
• Oakleafe Claims Academy Graduate Scheme

Products and services

• Domestic Home Insurance Claims Loss assessor services for residential property damage claims including fire, flood, water leaks, roof leaks, storm damage, impact, theft, and escape of oil incidents. Targeted at homeowners needing assistance navigating insurance claims.
• Business Insurance Claims Commercial claims management encompassing business interruption, fire and smoke, flood, storm, marine and hull, impact, theft, escape of oil, cyber crime, and aviation claims for business owners and commercial enterprises.
• Professional Services for Brokers and Agents Specialist services for insurance brokers, VAR valuers, and managing agents including Broker Shield, Rebuild Cost Analysis, Mid-Term Assessments, and managing agents support services.
• ClaimTrack Online Portal Client-facing online portal for tracking insurance claim progress in real-time, viewing uploaded documents and images, and accessing communications between Oakleafe, Loss Adjusters, and Surveyors. Powered by Trackpro.
• Loss Assessor Services FCA-regulated loss assessment representation for policyholders, handling documentation, negotiations with insurers, and settlement maximisation for both residential and commercial claims. Fees charged as a percentage of the settled claim.
• Business Interruption Claims Specialist claims management for business interruption losses, including consequential loss claims and contingent business interruption coverage. Expertise strengthened by acquisition of Hilton Thompson Ltd (HTL).

Quantifiable outcome

• 40% higher settlement achieved for flooding case study
• +1 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

One partnership is on record.

• Hilton Thompson Ltd (HTL)minorStrategic or Co-development PartnerOakleafe Group acquired Hilton Thompson Ltd to strengthen expertise in business interruption claims. HTL's specialized knowledge in business interruption claims has been integrated into Oakleafe's service offerings.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Crawford & Company: One of the world's largest independent claims management companies, offering both insurer-side loss adjusting and policyholder-facing services globally. Overlaps with Oakleafe in claims handling for property, commercial, and specialty lines, but at vastly larger scale and with a broader service portfolio.
• Sedgwick: Global claims management and loss adjusting giant operating across property, casualty, and specialty lines. Directly comparable to Oakleafe in claims-handling capabilities for commercial and domestic losses, but serves both insurers and policyholders at much larger scale.
• Davies Group: UK-headquartered professional services firm with a significant claims solutions division handling property and specialty claims. Competes with Oakleafe in loss adjusting/claims management while also offering broader insurance services.

Direct peers

• Woodgate & Clark: UK loss adjusting firm handling domestic and commercial insurance claims on behalf of insurers and corporate clients. Overlaps with Oakleafe in property claims handling though primarily operating on the insurer-side.
• Lambert Associates: UK loss assessor firm handling insurance claims on behalf of policyholders for residential and commercial losses. Directly competes with Oakleafe in the policyholder-side advocacy segment with a comparable success-fee model.
• Questgates: UK loss adjusting and claims management company serving both insurers and policyholders across property, liability, and specialty lines. Comparable to Oakleafe in handling complex commercial claims including business interruption.
• Morgan Clark: UK-based independent loss assessor representing policyholders in domestic and commercial claims. Closely comparable business model to Oakleafe — FCA-regulated, success-fee based, focused on maximizing settlements for property damage and business interruption claims.
• Antony Turner & Co: Long-established UK loss assessor specializing in fire, flood, and escape of water claims on behalf of policyholders. Closely comparable niche specialist competing directly with Oakleafe in domestic claims advocacy.
• Cawston Claims: UK loss assessor specializing in fire, flood, escape of water, and storm damage claims for both domestic and commercial policyholders. Direct competitor to Oakleafe with similar service portfolio and customer base.

Others

• Independent Loss Adjusters (ILA): UK association/network for independent loss adjusters, including firms operating in both insurer- and policyholder-side claims. Relevant industry body and ecosystem peer given Oakleafe's overlapping accreditations (BDMA, NAPIA, PLA).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Oakleafe

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oakleafe Claims