When you submit a claim with Unpaid, you’re automatically protected by our cost insurance. This unique system ensures that you know in advance what the maximum possible cost could be.
In most cases, you don’t pay anything at all. If we successfully recover the debt (which happens in about 75% of cases), you receive 100% of your invoice amount. If you’ve paid an advance, we’ll refund it to you.
Unfortunately, sometimes recovery isn’t possible, for example, if your client goes bankrupt or if all enforcement options are exhausted during the procedure. Thanks to our thorough screening, we try to minimize that risk, but it can never be completely ruled out.
What if several steps have already been taken and the costs start to rise?
That’s when our cost insurance comes in. It guarantees that you’ll never pay more than our standard rates, even if the actual bailiff’s fees are higher. We’ll cover the difference ourselves.
This system is truly unique. A bailiff is not legally allowed to give discounts, so in a similar situation you would always pay more elsewhere. Likewise, if you work directly with a lawyer, you cannot benefit from this protection.
Please note:
There’s one exception to this guarantee. If, together with the bailiff, we determine that the claim is legally unfeasible (for example, due to your client’s insolvency), you may still choose to continue the case. This sometimes happens for large amounts or matters of principle. In that situation, the cost insurance no longer applies.
But don’t worry: we always discuss this with you in advance and communicate clearly if that’s the case. So you’ll never face any surprises.