Custom claims management software for insurers, authorised agents, loss adjusters and organisations with their own claims flows. From intake to payout: fraud detection, expert portals, document management and automated workflows in one environment that fits your process.
Guidewire ClaimCenter, Duck Creek, Insurity, Wynyard Group and Concirrus are excellent for large insurers willing to adapt their process to the standard. For binding authority agents, loss adjusters, personal injury firms, warranty providers and specialist insurers, that enterprise suite is often too heavy, and integration can cost more than building in-house on a custom basis.
We don't replace those enterprise platforms. But when your claims flow is unique, such as your own self-service intake for policyholders, AI fraud detection on specific patterns in your portfolio, a mobile claim report with photo recognition, or a mid-market portfolio that doesn't justify a Guidewire licence, we build custom software that fits your workflow, regulations and existing core systems exactly. Also read about our custom insurance software if your challenge goes beyond claims alone.
Moreover, claims management software is rarely an island. The real complexity lies in the integrations: policy administration (ANVA Schade, Keylane), CRM, invoicing flow, payment platform, fraud databases, expert portals and reinsurers. A custom platform can be shaped precisely around that landscape, rather than forcing you to fit your process to what a standard package allows.
What we see in practice: organisations working with a combination of Excel, email and loose tools, sometimes alongside an outdated claims module in their core system, can gain a great deal of turnaround time with a focused custom platform, without launching a large-scale enterprise tender. The payback comes from lower error costs, faster payouts to policyholders and a stronger audit trail for supervisors and reinsurers.
It depends on who the end user is (an internal claims handler, an external expert or the policyholder themselves) and how much of the process you want to automate. We will advise on the right combination in the first conversation.
A secure environment in which policyholders submit claims themselves, via web, mobile app or email. Photo upload of damage, policy number automatically validated, initial classification by rules or an ML model, and direct status updates to the claimant.
For claims handlers and damage experts who process cases every day. A workflow engine that routes cases based on damage type, amount and fraud risk, connected to an expert portal for assessors and Lloyd's experts. Document management for expert reports, policies and proof of payment, with an audit trail for every action.
End-to-end claims management software with AI fraud detection, a recovery flow for subrogation against third parties, payment integration and integrations with policy administration (ANVA, Keylane, in-house core systems). For insurers and managing general agents who want to automate the entire claims lifecycle, including customer communication and compliance reporting.
The word 'claim' covers a broad field. The software a loss adjuster needs may at first glance resemble that of a legal expenses organisation, but the flows differ on crucial points. We have worked in these segments:
Full claims platforms or add-on modules alongside existing core systems. For mid-market insurers and monoline players where Guidewire or Duck Creek is too large.
Your own claims-handling environment with a direct integration to the insurer's policy administration. Reporting and remittance flows are built in, in line with the agreements with the principal insurer.
An expert portal with case allocation, photo and report uploads, time tracking and invoicing. Directly integrated with the claims environment of the commissioning insurer.
Case management with medical documents, witness statements, legal correspondence and a recovery flow to the liable party or motor insurer.
Intake and triage of legal questions, case allocation to lawyers, a mediation flow and final claims resolution, often connected to a client portal for the insured.
Claim intake for defects, an assessment flow (often with an external party), recovery from the manufacturer or supplier, and payout to the warranty holder. High volume, short turnaround times.
Mass claims following large-scale outages: automatic detection of affected customers, batch processing, and integration with customer communication and CRM. Scalability is critical here.
Health insurers handling DBC claims and care invoices, or travel agencies dealing with cancellations, delays and lost luggage. Both require specific validation rules and integration with sector systems.
Not every project needs everything. During planning we determine which modules fit your scope; the rest stay on the shelf until a later phase.
Four patterns in which we support clients. If you recognise one, we'd be glad to discuss what custom software would deliver here compared with an off-the-shelf package.
You handle claims for one or more insurers, but your volume doesn't justify an enterprise suite. ANVA Schade covers part of it, but your specific flow falls outside it.
You're a Lloyd's expert, loss adjuster or personal injury organisation. Your flow around expertise, invoicing and client communication is unique; off-the-shelf claims software doesn't solve that.
Your customers expect to submit a claim through an app — a photo of the damage, policy number, a few questions, done. The current process still runs through phone and email, and that doesn't scale.
Telecom outages, energy supply failures, product warranties, travel cancellations, healthcare claims (DBC), legal expenses insurance — claim flows that insurance software wasn't built for.
With OneDayBuild, we turn your idea into something tangible in one day for €1,150, so you can see whether further development is worth the investment. Decide to go ahead with the full build? Then we credit the full cost.
Explore OneDayBuild →A conversation in which we walk through your claims flow: which claim types, which regulations (Wft, IDD, Solvency II, GDPR, AML), which core systems you already have, and where the real pain lies. At the end, you receive initial directional advice.
A workshop with your claims team, loss adjusters and compliance officer, plus interviews with a few end users. The result: a concrete scope per module, a prioritised roadmap and the first screen flows for intake and handling.
A working build every two weeks. We usually start with intake plus one claim type, end to end. You test along, as do a few handlers. Expansion to further claim types and modules takes place in subsequent sprints.
Integrations with policy administration (ANVA, Keylane), your payment platform and any fraud databases. Migration of existing open claims, training for handlers, and a phased rollout by claim type or region.
Monitoring, security patches, ongoing improvement of fraud models and expansion to new claim types or integrations. A fixed monthly fee for the maintenance contract.
What clients in the insurance sector usually want to know before we begin.
Our claim management platforms run on a modern, scalable stack: no hidden vendor lock-in, no black-box AI. You receive the source code, and the models remain explainable.
The choice depends on your existing landscape. For ML components we rely on Python (FastAPI, scikit-learn, sometimes PyTorch); for transactional claim flows Node.js or .NET work well. PostgreSQL as the primary database, with audit logging via append-only tables.
We build the handler workspace, expert portal and self-service intake as modern web applications. Mobile-first design for the insured, and a dense UI for the claim handler who works in the system all day.
For a damage reporting app with camera and push notifications we often choose React Native or Flutter, and occasionally fully native if offline functionality is critical. Photos with EXIF data for location and time, for later fraud checks.
REST or SOAP integrations with policy administration. SEPA payments via Mollie, Buckaroo or your own payment platform. Sanctions databases (CIS, EU lists) and, where relevant, reinsurer integrations for automatic direct debit.
A no-obligation introductory call of half an hour. We listen to your claims flow, ask questions about your core systems and regulations, and give you useful direction, even if it turns out that a standard suite suits you better than custom software.
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