About Morgan Clark
At Morgan Clark, we are proud to be the UK’s leading firm of Loss Assessors, providing expert claims management for individuals and businesses. With decades of experience in the insurance industry, our mission is to support policyholders through the complex and often stressful claims process, helping them secure the best possible outcome.
As independent Loss Assessors, we work exclusively for you, not the insurance company. Our team handles every aspect of the claim, from assessing the damage to negotiating with Loss Adjusters, ensuring that your claim is settled fairly and efficiently. Whether it’s a claim for fire, flood, storm, or another disaster, our specialists are here to help when you need it most.
Our Awards
At Morgan Clark, we are proud to be recognised across the industry for the quality of our loss assessing services and our commitment to supporting policyholders throughout the claims process.
We are multi-award winners, having been named Loss Assessor of the Year for three consecutive years (2023, 2024 and 2025). In addition, we have received the Best Customer Focus Award (2023) and were awarded Best Loss Assessors – Northern England in the Outstanding Claims Service Award (2025) category.
These accolades reflect the expertise of our team, our consistent service standards, and our focus on achieving fair outcomes for our clients when they need support most.
Best Customer Focus 2023
Loss Assessor Of The Year 2023
Loss Assessor Of The Year 2024
Loss Assessor Of The Year 2025
Best Loss Assessors – Northern England 2025
Best Customer Care 2025
Why Choose Us?
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- Expertise and Experience: With over 30 years in the industry, Morgan Clark’s team has handled thousands of insurance claims. Our deep knowledge allows us to anticipate challenges and resolve issues before they become obstacles. We’re proud to say our team is one of the most experienced and dedicated in the industry. We have built a reputation for being honest, not pushy, and always keeping our clients’ best interests at heart.
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- Personal Service: Every claim is unique, and so is our approach. We provide a dedicated Loss Assessor for each client, offering tailored advice and guidance. Our goal is to resolve your claim as quickly as possible, ensuring it runs smoothly and efficiently, all while you maintain a direct line of communication with your Loss Assessor and their assistant—no call centres, just personal, expert care.
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- Proven Results: Our track record speaks for itself. We have secured higher settlements for our clients than they would have achieved on their own. Independent reviews, client testimonials, and industry awards showcase our commitment to delivering exceptional results. Morgan Clark has been recognised as Loss Assessor of the Year in 2023 and 2024, and we’ve received the Best Customer Focus Award in 2023, all reflecting our dedication to putting clients first.
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- Integrity: Honesty and transparency are at the core of everything we do. We provide expert advice, always in our clients’ best interest, and ensure they are equally represented against insurance companies’ Loss Adjusters. After all, would you go to court without a solicitor by your side?
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- Tailored to You: Every client has different needs. Whether you want to be actively involved in managing your claim or prefer to leave everything to us, the choice is yours. We adapt to your preferences to ensure the process is as smooth and stress-free as possible.
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- Stress-Free Process: We understand how overwhelming insurance claims can be. Our experienced team handles the complexities, significantly reducing the time, energy, and stress involved, allowing you to focus on your day-to-day life.
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- National Reach, Local Service: With offices throughout England and Wales, we’re positioned to serve clients wherever they are, ensuring swift and effective management of claims.
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- Commitment to Vulnerable Customers: At Morgan Clark, we are committed to supporting all customers, particularly those in vulnerable situations. We understand that factors like age or illness can make the claims process more challenging. In line with the FCA’s Consumer Duty, we have policies to ensure these clients receive the care and support they need. Our team is trained to identify vulnerable customers and adapt our approach to ensure fair and consistent outcomes for all. We are dedicated to treating every client with dignity and respect, read more here.
Using innovative Artificial Intelligence to enhance our service even further
For years, Morgan Clark has guided clients through complex insurance claims to secure fair outcomes. Through our partnership with Claim Guardians, we’re now bringing AI-powered intelligence into the claims process – helping deliver deeper insight, greater clarity and stronger support when it matters most.
How AI helps our clients
Complex claims often involve hundreds of pages of complicated insurance policy documents, communications and multiple assessments. The Claim Guardians platform uses AI to:
- Identify potential policy issues or gaps before they become obstacles
- Organise evidence and documents to strengthen your case
- Cross-check assessments against policy terms, precedents, and regulatory requirements
- Prepare court-ready documentation on the rare occasion a legal resolution is needed
With decades of technical knowledge and negotiation skill, our teams can now combine their experience with AI-backed evidence, resulting in accelerated response times and fewer delays for the people who depend on us.
The story behind the partnership
Claire Massey founded the Claim Guardians platform after experiencing a devastating house fire in 2023. Despite 20 years in compliance and legal roles, Claire found navigating her insurance claim alone to be incredibly challenging. Determined to make the process fairer for anyone having to make a significant claim, Claire teamed up with entrepreneur Stephen Kavanagh to create a bespoke AI platform to help improve the insurance claim process for everyone.
When Claire approached Morgan Clark, we immediately recognised the AI platform’s potential. Together, we stress-tested the platform against real-world cases, ensuring it provided practical insights that truly strengthen our clients’ outcomes.
Why Morgan Clark
Claire chose Morgan Clark as the Loss Assessors she wanted to partner with as she appreciated our reputation for integrity and dedication to client advocacy. Together, our partnership demonstrates that when claimants have specialist Loss Assessors, supported by cutting-edge AI technology, on their side, they can approach even the most significant claims with confidence.
If you’re facing a complex claim, you now have access to both expert advocacy and cutting-edge intelligence. That’s the Morgan Clark difference.
Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)
Find out what this protection means for you here.
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The FCA regulates the financial services industry in the UK, this means:
- Your money is protected – FCA rules ensure your claim is handled with safeguards that protect your interests.
- You’re treated fairly – strict standards and codes of conduct mean you’re never misled or taken advantage of.
- You can trust the process – only authorised firms can legally manage claims, giving you confidence in the outcome.
Your claim is in safe hands
As the industry leader, Morgan Clark sets the bar when it comes to standards. We are also proud to support a number of charities both in the UK and overseas.
Professional Memberships
