Relied on where a valuation must hold up
Over the years, banks, insurers, leasing companies, dealers and marketplaces have used AutoUncle to value cars, and so has the Danish Tax Agency (SKAT).
CAR VALUATION FOR INSURANCE
A market value for every claim.
And the evidence behind it.
Settle total-loss and theft claims on an independent market value, check sums insured at underwriting, and give every claim file a valuation that explains itself: the identified car, its price ranges and the comparable cars on the market.
- Total-loss valuation
- Replacement value
- Theft claims
- Sum insured checks
- Claims automation
WHERE IT FITS
From first notice of loss
to a settlement you can explain.
- 01
First notice of loss
Identify the car from what the claimant gives you: a VIN, a Danish plate, a German HSN/TSN code, a few photos or a free-text description.
- 02
Total loss and theft
Get the expected asking price of a comparable car at a dealer, typically what your customer would pay to replace it today, with 80%, 95% and 99% ranges.
- 03
Settlement and disputes
Show the policyholder the comparable cars on sale and recently sold, and how each value was established. A documented number is easier to accept.
- 04
Underwriting and renewals
Check the sum insured against today's market when the policy is written or renewed, and spot cars that are insured far above or below their value.
A TOTAL-LOSS CLAIM
Strict when it matters.
Free when it can't be sure.
Claims decisions should never rest on a guess. In strict mode, nothing is assumed: a missing year or mileage is refused instead of estimated. With a minimum precision, a result too uncertain to rely on is refused at no cost, and the refusal names the detail to ask the claimant for.
- Replacement basis: the expected dealer asking price for a comparable car
- Ranges for your own tolerance rules: 80%, 95% and 99%
- Comparable listings in the same market, as evidence for the file
- Every result stored for 13 months and retrievable by ID
POST /v1/valuations
{
"country": "DE",
"vehicle": {
"make": "Volkswagen",
"model": "Golf",
"model_year": 2021,
"mileage": { "value": 48000, "unit": "km" },
"catalogue": { "drivetrain_id": "dv-…" }
},
"options": {
"resolution": "strict",
"min_precision": "medium",
"include": ["comparables"]
}
}
200 OKIllustrative
"valuation": {
"price": 21400,
"currency": "EUR",
"price_basis": "dealer_retail",
"intervals": [
{ "coverage": 0.8, "low": 19900, "high": 22900 },
{ "coverage": 0.95, "low": 18900, "high": 23900 }, …
]
},
"precision": { "grade": "high", … },
"comparables": {
"status": "included",
"on_sale": [ … ],
"recently_sold": [ … ]
}
DOCUMENTATION, NOT JUST A NUMBER
Every valuation
comes with its evidence.
A claim file needs to show how a value was reached. Every valuation returns the identified car, its ranges and the comparable cars behind it, ready to attach to the claim or show the policyholder.
01
The car that was valued
Make, model, generation and drivetrain, with the source of every value: your input, the register, the listing text, a photo or an assumption.
02
Ranges, not a single guess
80%, 95% and 99% price ranges, a precision grade with a sentence explaining it, and how much comparable market data stands behind the estimate.
03
Comparable listings
Up to five similar cars on sale and five that recently left the market, as anonymized examples: year, rounded mileage, rounded asking price, price rating and days on market. Never the seller, a link, dates, the plate, the VIN or photos. One extra credit, only when listings are returned; not available in Denmark.
04
Notes, sources and a record
Disclaimers and data-source attributions on every result. Live results are kept for 13 months and can be read back by their ID.
COMPARABLE LISTINGS
IllustrativeVolkswagen Golf VIII · 1.5 TSI · 2021 · 48,000 km
| On sale | 2021 · 45,000 km | €21,900 | 12 days | |
| On sale | 2021 · 50,000 km | €21,000 | 31 days | |
| Left the market | 2020 · 45,000 km | €20,500 | 19 days | |
| Left the market | 2021 · 60,000 km | €19,900 | 44 days |
Anonymized examples with rounded mileage and prices. Comparables support the price; they are not its basis. Prices are asking prices.
WHY AUTOUNCLE
Valuing cars since 2010.
In fourteen markets.
AutoUncle has valued used cars independently since 2010, from the market data of every country we cover. Data Services gives you the same valuations, vehicle identification and price ratings that power autouncle.com.
2010the year we started valuing cars
14European markets
5price ratings, the same scale as autouncle.com
Live in
- Denmark
- Sweden
- Germany
- Italy
- Spain
- Austria
- Portugal
- Poland
- Finland
- Romania
- Switzerland
- United Kingdom
- Netherlands
- France
AI where it helps. Statistics where it counts.
- AI reads what people write and photograph, and identifies the exact car.
- Prices come from statistical models trained on the actual market in each country, never from a language model.
- Price ranges are checked against real market outcomes, and every result says how sure it is.
Questions we're asked
What value does the API return for a total-loss claim?
A statistical estimate of the asking price of comparable cars in the car's market. By default it is the price at which a dealer would list a comparable car, which is what your customer would typically pay to replace it. It is an estimate, not an offer or a settlement amount: you apply your own settlement rules on top.
Can we document the valuation for the policyholder?
Yes. Each result has the identified vehicle with the source of every value, three price ranges, a precision grade with an explanation, and, on request, up to five comparable cars on sale and five whose listings recently left the market. Comparable listings are not available in Denmark.
What happens when the claim file is incomplete?
You decide. Strict mode refuses any assumption, and a minimum precision refuses results that are too uncertain, at no cost. The refusal says which detail to ask for. Outside strict mode, a missing year can be assumed, and equipment can be assumed if you allow it; both are clearly marked and lower the precision grade.
Which countries are covered?
14 European markets: Denmark, Sweden, Finland, Germany, Austria, Switzerland, the Netherlands, France, Italy, Spain, Portugal, Poland, Romania and the United Kingdom. Each valuation is for one market, in that market's currency.
How does it fit into our claims system?
Through a REST API with an OpenAPI contract, idempotency keys for safe retries, and free test keys. Claims assistants built on AI agents can use the same valuations through MCP.
START WITH ONE CAR
Try it on your own cases.
Then talk to us.
Create a workspace, test with free test keys, and see every request in your console.