🔧 Claims Technology

The Claims Platform
Built for Modern Insurers

An API-first, cloud-native engine purpose-built for mobile device claims — from first notification of loss to fulfilment and recovery, fully orchestrated in one platform.

One engine. Every touchpoint.

A single, composable platform that connects your customers, your teams, and your supply chain — with no legacy infrastructure in between.

Customer & Partner Interfaces
⚙ Insurix Core Engine
Core Systems Payments Device Data Networks
  • 🔌

    API-First Architecture

    Every capability is exposed via a clean REST API, enabling deep integration with your existing policy administration and CRM systems without rip-and-replace.

  • Modular Components

    Customer-requested changes are fast to scope and straightforward to deliver.

  • Cloud-Native Deployment

    No on-premise hardware, no long provisioning cycles. Deployed to ISO-27001-aligned cloud infrastructure, with environments spun up in days, not months.

Five modules that cover
the full claims lifecycle

Each module is independently configurable, deeply integrated with the others, and built to reduce cost at every stage of the claim.

Module 01

Claims Intake & FNOL

A frictionless first notification of loss journey that customers complete entirely online. Adaptive forms, photo upload, identity verification, and excess collection — all without agent involvement.

Self-serve FNOL Photo evidence ID verification Excess collection
Module 02

Decision Engine

Real-time triage logic that evaluates every claim against policy terms, device data, and cost models to determine the optimal outcome — repair, replacement, or rejection — instantly.

Real-time triage Policy rules engine Cost optimisation Configurable logic
Module 03

Fraud Detection

Multi-signal fraud scoring that runs in parallel with intake — cross-referencing device databases, claim history, behavioural signals, and third-party data to surface risk before fulfilment.

IMEI validation Claim history checks Behavioural signals Risk scoring
Module 04

Repair & Replacement Orchestration

A competitive fulfilment marketplace where repair partners and device suppliers bid on every claim. Reverse logistics for damaged returns are similarly auctioned to maximise recovery value.

Partner marketplace Live bidding Returns management Recovery optimisation
Module 05

Reporting & Analytics

A real-time dashboard giving your claims and finance teams full visibility over volumes, cycle times, costs, fraud rates, and net loss ratios — with data exports and API access included.

Real-time dashboards Loss ratio reporting Fraud analytics API data access

Connects to the systems
you already run

Pre-built connectors and open APIs mean you don't need to rebuild around us — we fit into your stack.

Core Insurance Systems
  • Policy administration platforms
  • CRM & customer portals
  • Document management
  • Bordereaux & reporting feeds
Payment Providers
  • Excess & deductible collection
  • Supplier disbursements
  • Refund processing
  • Open Banking verification
Device & Identity Data
  • IMEI & device status databases
  • Manufacturer & model lookups
  • Identity & document verification
  • Claims history bureaux
Repair & Fulfilment Networks
  • Device repair specialists
  • Refurbished device suppliers
  • Reverse logistics providers
  • Recycling & recovery partners

Built to enterprise standards.
Deployed at digital speed.

Security, scalability, and data integrity are engineering requirements — not afterthoughts.

🔒

Secure Cloud Hosting

Hosted on ISO-27001-aligned infrastructure with end-to-end encryption, role-based access controls, and full audit logging across every system interaction.

  • TLS 1.3 in transit, AES-256 at rest
  • Role-based access control (RBAC)
  • Immutable audit trail
  • Penetration tested annually
📈

Scalable Infrastructure

Architected for elastic scale — handling claim volume spikes driven by weather events or seasonal peaks without manual intervention or capacity pre-provisioning.

  • Auto-scaling compute & queues
  • 99.9% uptime SLA
  • Multi-region failover
  • Real-time health monitoring
📁

Data Handling

UK-resident data processing with GDPR-compliant retention policies, configurable data residency, and structured subject access request tooling built in as standard.

  • UK data residency
  • GDPR-compliant by design
  • Configurable retention policies
  • SAR tooling included

Ready to see it in action?

We can walk you through the full platform in under an hour — or share a technical overview document if you'd prefer to review it first.

No commitment. No lengthy forms. Just a conversation.