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NDR / Claims, court and footage / Evidence to support an insurance claim

Insurance claims · evidence work, Nottingham

Insurance claim evidence, Nottingham. An adjuster can test a hash, not a phone pointed at a monitor.

You are not being tested on your honesty; what is being tested is whether the file is what it is said to be. Three things will establish that: the original export produced by the recorder, the hash values created from that export, and a written description of how the file was obtained from the disk. A claim is civil work. The Forensic Science Regulator's statutory Code applies to criminal proceedings in England and Wales only, so none of this fits under the Code and none of it needs accreditation. None is held in any case, and each report says so in its opening statement. If something cannot be read, that goes into the written description too. The fee is agreed in writing before any work starts, from £800 + VAT.

Civil work, not the criminal Code The recorder's own export What was found, and what was not

An engineer will talk it through with you, in confidence
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What an adjuster is able to check.

The container the recorder wroteA recorder stores video in its own specific format, which many players cannot play. Convert the file to another format, or film the monitor with a camera, and the timing information, frame references and pixels can all change. So the native file comes off the disk, and a playable copy goes beside it that will open on almost any player.
The clock on the recorderThe clock decides more claims than anything else on a disk, but the clocks may be off. Someone has entered an incorrect date or time at installation. Users have forgotten to update the time for British Summer Time. A 02:10 timestamp does not necessarily mean something occurred at 02:10. During acquisition, the difference between the recorder's time and a known accurate reference is measured and documented in the final report.
Continuity written downAn exhibit reference. Both hash values, at the start and at the finish. A date against each handover on the log. Notes taken during the examination. And an exhibit reference of its own for any item produced from the master.
What could not be readAn adjuster gets nothing from a report that steps round the gaps. Material is permanently lost once it is written over. Encrypted material without a key is the same. Where the unit recorded nothing, there is nothing to produce. The type of gap gets noted, and images that come back without their timings are identified as such.

Five kinds of claim we are asked about.

Something else? Say what it does →
The type of claimWhat arrives at the benchWhat it can establish
A theft, or a forced entryThe recorder itself, or the disk pulled from one that has stoppedThe window around the incident, exported in the format the unit stored it in
A machine damaged by water, soot or heatThe disk from the damaged machineInvoices, schedules and photographs still held on the machine
A motor claimThe dashcam's own card, rather than a clip somebody forwardedThe camera's full data file, including GPS, speed and sensor channels (all of which a forwarded MP4 discards), with notes on what the forwarded version left out
A business proving what it heldThe disk holding those recordsA hashed list of what is still readable, along with a clear statement of what the disk can no longer say
A dispute over liabilityA recorder that each side thinks supports its versionThe same set of exports given to both sides, with a method each side can run again
Getting it here: first of all you need to get a quote, either by phone (0115 8220606) or through the online form. Once you have your quote, send it to our intake lab by tracked, insured post: Manchester Data Recovery, Peter House, Oxford Street, Manchester M1 5AN. Alternatively, you can drop it in there Monday to Friday, 9am to 5:30pm, without booking an appointment. Postage to return your data once recovered is paid for by us. If you are unsure what should go in the box and what should stay at home, contact us before sealing it and one of our engineers will walk you through exactly what needs to be sent and what can be left behind. All other details on packing and postage can be found in our packing and postage guide.

The order we work in.

More jobs like this one →
01

Tell us what has happened, in confidence — a written figure follows Free

Forensic costs start at £800 + VAT depending on the scope of the job, as identified on your first call to us: what time frame and specific dates are in dispute? What equipment or accounts are involved? What evidence is needed? Your first call to us is free. Nothing is charged until you have our quote in writing.

The first call stays confidentialOne figure, fixed and written downThe questions the evidence has to answer
02

Take the recorder off power today

If you leave your recorder turned on, it continues to write over existing information. It overwrites faster than claims move. No manual will give you an indication of how many hours or minutes remain. Total capacity, number of recording channels and selected resolution (and the setup of your unit) each play a role. First shut off the power to the unit. Then call us.

Stopped before the loop came roundA hold notice kept on file
03

Who can lawfully give authority

Authority is what makes an examination lawful; without it, section 1 of the Computer Misuse Act 1990 applies. So each job records who gave that authority and on what basis. A landlord's position, an employer's and a commercial vehicle operator's all differ.

Authority recorded in writingChecked against the Computer Misuse Act 1990
04

Exported in the format the recorder wrote

You are given two files. There is the file originally exported from the recorder (native), along with a player capable of reading that original format. Alongside is a copy that can be played anywhere. A written document gives details of how the original file was converted to the second file, rather than hiding it inside a viewer. Both files include MD5 and SHA-256 hash values. The report also says how far the recorder's clock was from the actual date and time.

The native export, plus a playable copyThe clock offset stated in the report
05

The bundle, the hashes and the handover log

If you give another party a result they can't verify themselves, then you have given them grounds for argument. So the bundle contains all the information: exhibit numbers, hash values, dated handovers (signed at both ends), the image each conclusion came from, and the notes taken while working at the bench. Run it again and you get the same answer.

Each finding traced to its exhibitHashes recorded, and every move loggedRepeatable, step by step

What turns up on recorder disks

  • Proving what was held takes work of its own: a farm office outside Loughborough, or a small firm on a Nottingham estate, still has to prove what was stored on its machine. Our report contains what reads, and what the disk recorded on its own. A list of files that are no longer there is not something anybody can produce.
  • Consent has to come from somebody entitled to give it: a landlord, an employer and a commercial vehicle operator have very different rights and interests, and we ask the question before any disk leaves its housing.
  • A recorder will not wait for a claim: regardless of where the insurer is with your claim, the gate camera continues to record. Stop the recording, then you can take all the time you want.
  • An unstated method is a hole: say nothing about who copied the material, or how they did it, and the opposing party will raise the issue instead of you.

Worth knowing before you instruct anyone: as of October 2025, the Regulator's statutory Code is in its second version. Two of the activities named in it matter here (capture of data from digital storage, and recovery of CCTV), and both are subject to ISO/IEC 17025. However, the Code addresses work for a criminal prosecution, England and Wales only, and a claim on a policy is not that. Nothing of the kind is held here in any case, and each of our reports says so first.

One of these, from start to finish.

NG · NTG-2026-2010ON THE LOG ✓

A Derby loading bay, an argument about the date, and a clock nobody reset

The date a pallet was damaged was the issue between a haulier and a food producer, and the yard gate recorder was the only record of it. It had never been adjusted for British Summer Time. We measured the offset, took the export the recorder itself made, and put both times in our report. Exchange came, and it settled.

Concluded after reports were exchangedCPR Part 35 applied throughout

What helps, and what does damage.

Worth doing first

  • Cut off the power to the recorder today: every hour it runs is costing you material
  • Send the policy or claim reference along with it
  • Identify who owns the recorder and who can authorise the work
  • Once you have your quote, send either the recorder or its disk. A forwarded clip will not do.

What makes it harder

  • Plugging the recorder's disk into a Windows machine
  • Letting an installer put the unit back into service after a factory reset
  • Taking a picture of the screen with a phone and sending it in
  • Waiting on the insurer before you stop the recording

What gets asked before posting.

Does a claim on a policy need an accredited examiner?

No. There is one scenario where the Regulator's Code calls for ISO/IEC 17025: a criminal prosecution in England and Wales. A policy claim is civil, so the requirement does not arise. No accreditation of any sort is held here for any type of matter in any case, and every report states that clearly on its first page. If a claim later becomes criminal, we confirm it to you in writing.

Why is a phone video of the screen no use?

Because of everything that has happened to it since it left the monitor screen: through a phone lens, and re-encoded on the way out. The timing and detail as the recorder originally wrote them are lost in that process. What an insurer needs is the exact file created by the unit, with a hash.

Can you show what the disk no longer holds?

Everything on the disk that is readable can be listed, and whatever the disk records about the rest can be reported. Where overwriting has happened, the report says so. What it does not do is guess.

Who has to authorise the examination?

Whoever has the right to authorise it. Under section 1 of the 1990 Computer Misuse Act, getting into a machine without authority is an offence, so each job keeps a record of its basis. Landlord, employer, the operator of a commercial vehicle, its driver: four positions, and they are not the same.

Power the recorder down before the loop reaches your clip.

Remove power from the DVR before you do anything else: as long as it is powered, it keeps writing, and the oldest footage goes first. Then get a quote and post the disk in. The first look is free. CCTV and DVR work is £400 + VAT, quoted in writing before any work starts, and anything recovered from the disk goes no further than our bench.

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