A decision for every step of the claim.
Each module is built around the outcome it delivers: less leakage, faster claims, more time back for your people, and decisions you can stand behind.
FNOL
A clean claim from the first notice
First-notification intake that captures and structures a new loss before it reaches triage.
- A structured claim from the very first touch — captured and classified as the loss is reported.
- Feeds triage and every module clean, consistent data — so the whole journey performs better.
- Cuts the time from notification to a workable claim from hours to minutes.
Information Capture
Right first time
Guided policyholder capture of photos, documents and details, validated at source.
- Right first time — evidence is checked as the customer submits it, so the claim arrives complete.
- Cuts cycle time and rework — kills the back-and-forth that stretches claims out and burns claims handler hours.
- Better customer experience — a guided, do-it-from-your-phone journey instead of a phone queue.
Policy Coverage
Pay only what's covered
Validate a claim against policy coverage, with classification, per-cover outcome and the next triage step.
- Stops coverage leakage — every claim is checked against the actual policy, every cover, every time.
- Removes dispute risk — decisions are consistent and come with their reasoning attached, so they hold up to challenge and audit.
- Speeds the front of the claim — a clear covered, not covered or partially covered answer in minutes, not days.
Liability
Get fault right
Assess fault for a motor claim with rule-by-rule analysis, apportionment and the recovery or decision next step.
- Recovery uplift — getting the split right means recovering everything that's recoverable from the at-fault party.
- Less over-payment — disciplined apportionment instead of “split it 50/50 and move on”.
- Defensible every time — a rule-by-rule rationale that stands up in negotiation, in litigation, and to the regulator.
Supplier Allocation
Right work, right hands, day one
Classify a claim by complexity at notification, route it the right way and allocate the work to the right people.
- Catches leakage early — complex and high-risk claims are flagged on day one, when intervention still changes the outcome.
- Frees capacity — simple claims fast-tracked, specialist claims handlers reserved for the claims that need them.
- Lower cost to serve — the right claim reaches the right hands the first time, not after three hand-offs.
Scope of Works Simplification
One language for the work
Ingest scope documents in any format and normalise them into one consistent structure, flagging ambiguities before quoting.
- Makes quoting comparable — one consistent scope means apples-to-apples quotes and real competition.
- Kills downstream rework and disputes — ambiguities are caught and resolved before the job is quoted.
- Quoting accuracy — builders price the same defined job, so the quote is the quote.
Competitive Quoting
Make the panel compete
Distribute a locked scope to panel builders and compare quotes on cost versus start date.
- Lower repair spend — a locked scope put out to the panel creates genuine competition on price.
- Balances cost against customer outcome — compare on cost and start date, so you can buy speed when needed.
- Transparency — a defensible award decision, every time.
Quote / Invoice Validation
Catch the overcharge
Check costs at either stage — quote or invoice — against scope, approved benchmark and rate card for drift, duplicates and rework.
- Direct leakage prevention — catches the overcharge before it's paid, at both quote and invoice stage.
- Keeps the panel aligned — drift against benchmark and rate card is visible to both sides, so it gets settled early.
- Defensible challenges — every flag comes with a pass-by-pass breakdown, so queries land with evidence.
Expert Report Validation
Don't pay on a weak report
Check engineer, loss adjuster and medical reports for completeness and reasonableness before settlement or recovery.
- Stops settlement leakage at the source — the report is checked for completeness and reasonableness before you pay on it.
- Raises report quality — gaps and overreach are flagged back to the expert, improving the panel over time.
- Faster, more confident settlement — claims handlers settle on a report that has already been checked line by line.
Contents Valuation
Settle fairly, not generously
Itemised contents settlement with classification, like-for-like pricing and the settlement figure.
- Settle fairly, not generously — every item priced like-for-like against the market, removing the systematic over-settlement.
- Faster settlement — a priced, line-by-line figure in minutes instead of a manual valuation exercise.
- Consistent and fair to the customer — the same item gets the same value, defensibly, on every claim.
Subrogation Inbound
Don't overpay the other side
Validate a third-party demand with a fair-and-reasonable breakdown, benchmarks and the response.
- Don't overpay the other side — every demand is tested line-by-line for what's fair and reasonable, against benchmarks.
- Demand savings drop to the bottom line — the difference between face value and fair value is direct, measurable saving.
- A ready-to-send, defensible response — the rebuttal is built for you, with evidence.
Subrogation Outbound
Recover everything you're owed
Build and issue a recovery demand against the at-fault party, with quantum, evidence and the demand pack.
- Recovers more — every viable recovery is pursued with a complete, evidenced demand.
- Faster demands — the quantum and pack are built for you, not assembled by hand.
- Defensible quantum — every figure benchmarked and backed by evidence.
More Coming Soon
We're always adding new decisions across the claims journey. Tell us which one would make the biggest difference for you. There's a good chance it's already on the way.
Where could we help you most?
Start with one decision, and we'll show it working on your claims