Subrogation redaction is the removal of personal data from a recovery dossier. Subrogation is a rule of indemnity: Castellain v Preston (1883) settled that an insurer may stand in its insured's shoes, and Marine Insurance Act 1906 s.79 states the right in statute. Where liability is shared, Civil Liability (Contribution) Act 1978 s.1 lets one party recover a contribution from another. anonym.plus marks each item on your device.
When this applies
Such a record names the claimant, the at-fault driver, and bank details. The recovering insurer needs the liability facts and the figures actually paid. You trim the identifying fields before the paperwork reaches counsel or another insurer.
How anonym.plus handles it
- Open the file in anonym.plus on your device.
- Local OCR reads scanned demand letters and reports.
- The tool flags claimant and third-party identifiers.
- Keep the claim and recovery codes intact.
- Swap or black out the confirmed entries.
- Save the clean copy locally.
What you need to provide
- The recovery file (PDF, DOCX, or scan).
- An operator (Replace keeps the demand readable).
- Optional alias map for repeat individuals.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | claimant Reyes → [CLAIMANT] |
| Names | PERSON | at-fault driver → [THIRD_PARTY] |
| Financial | UK_BANK_NUMBER | recovery acct 7782 → [ACCOUNT] |
| Identifiers | UK_NINO | RY 60 22 44 C → [NINO] |
| Contact | PHONE_NUMBER | +44 117 496 0782 → [PHONE] |
| Location | LOCATION | incident address → [ADDRESS] |
Compliance achieved
- Keeps the indemnity trail intact — the subrogated right restated by Marine Insurance Act 1906 s.79 turns on showing what was actually paid.
- Leaves the apportionment detail needed for a claim under the Civil Liability (Contribution) Act 1978 s.1.
- Preserves the cover particulars relevant where Road Traffic Act 1988 s.151 makes a motor insurer satisfy a judgment against its insured.
- Supports a transfer of rights on insolvency under the Third Parties (Rights against Insurers) Act 2010, in force since 1 August 2016.
Anonymise subrogation files offline — see plans & start free →
Limitations & cautions
A demand letter can name a unique fact that points to someone. The tool flags named items and does not decide apportionment. Read the letter for indirect clues before you share it.
Frequently asked questions
Whose data should I redact in a recovery dossier?
Both the claimant and the at-fault party hold personal data under UK GDPR. Witnesses and repairers named in the file count too. anonym.plus flags each for review.
Will redaction weaken a subrogated recovery?
It should not, provided the payment trail stays. The right restated in Marine Insurance Act 1906 s.79 turns on the indemnity actually paid, so allow-list the settlement figures and the claim references.
Is the file uploaded?
No. The app works offline, so it stays on your machine.