Introduction
A car accident can disrupt more than just your vehicle — it can stop you from working and earning. For taxi drivers, PCO professionals, and fleet operators, time off the road means lost income.
The good news: if the accident wasn’t your fault, you can claim back these losses. This guide explains how loss of earnings claims work in the UK and how Nova Motor Assist makes the process faster and easier.
If you lost income from a car accident in the UK, you can recover it. You can do this through a loss of earnings claim as part of Uninsured Loss Recovery (ULR). You’ll need proof of income and time lost. Nova Motor Assist helps drivers — especially taxi and PCO — claim these costs directly from the at-fault insurer.
What Is a Loss of Earnings Claim?
A loss of earnings claim is when you ask for money for income you lost. This happens because a no-fault accident damaged your vehicle.
This can include:
- Salary (if you couldn’t attend work)
- Self-employed income (PCO/taxi drivers, freelancers)
- Bonuses, tips, or overtime lost
- Future earnings in severe injury cases
Who Can Claim Loss of Earnings?
- Private motorists who couldn’t get to work.
- Taxi and PCO drivers whose vehicle was off the road.
- Fleet operators with damaged vehicles and drivers unable to work.
- Self-employed workers who rely on their vehicle for income.
What Evidence Do You Need?
To make a successful claim, you’ll need:
- Proof of income (pay slips, bank statements, invoices).
- Accident details (FNOL, police reference if applicable).
- Repair and hire records (to show time vehicle was unavailable).
- Someone needs medical reports if an injury caused their absence.
👉 Nova Motor Assist collects all these details from the start avoiding delays.
How Nova Motor Assist Helps You Claim Loss of Earnings
- Immediate FNOL logging – records your loss of income from the first call.
- Replacement vehicle – like-for-like hire car so you can keep working while your vehicle is repaired.
- Evidence management – our team helps gather pay slips, invoices, and documents.
- Uninsured Loss Recovery (ULR) – we recover your lost income directly from the at-fault insurer.
- Multilingual support – clear communication for all drivers.
Example Case: Taxi Driver in London
A minicab driver’s PCO vehicle was rear-ended and off the road for 3 weeks. Nova Motor Assist:
- Delivered a licensed replacement PCO car within hours.
- Managed the repair through an approved garage.
- Logged and recovered £2,800 in lost income from the at-fault insurer.
FAQs: Loss of Earnings Car Accident UK
Is it possible to claim lost income when self-employed?
Yes. Self-employed drivers can claim lost income by showing invoices, booking records, or bank statements.
What is the duration to regain lost earnings?
On average, 3–6 months depending on the complexity of your case and the insurer’s response.
What should you do if the other driver lacks insurance?
You can still recover loss of earnings through the Motor Insurers’ Bureau (MIB) with our support.
Will I receive a substitute vehicle during my claim?
Yes. Nova Motor Assist gives you replacement vehicles. This way, you can keep working while we recover your income.
Is there a deadline for claiming?
Yes. In the UK, you usually have up to 3 years to make a loss of earnings claim.
Conclusion
Experiencing financial loss post-car accident is challenging. This is especially true for taxi drivers and self-employed workers. They rely on their daily income. However, you do not have to accept the loss.
At Nova Motor Assist, we handle your claim from beginning to end. We offer a replacement vehicle, manage repairs, and help you recover lost income.
👉 Keep driving, continue earning, and allow us to handle the stress for you.