Automate the full claims lifecycle with configurable workflows, real-time reserve tracking, and complete FCA-compliant audit trails. Built for UK insurance operations.
Claims handling software needs to balance operational efficiency with regulatory compliance. The FCA expects firms to evidence fair treatment at every stage of the claims journey. Here are the six capabilities that separate effective claims platforms from generic case management tools.
The platform should cover every stage from first notification of loss through triage, investigation, reserve setting, settlement negotiation, and payment — not just the intake and basic tracking that generic CRMs offer. Each stage needs its own configurable rules and SLA targets.
Accurate reserving is fundamental to claims operations. Your software should track initial reserves, reserve movements, authority levels, and payment reconciliation. Automated alerts when reserves approach authority limits prevent bottlenecks and ensure proper oversight.
Claims rarely involve just the insurer and the claimant. You need structured workflows for instructing and managing engineers, solicitors, loss adjusters, repairers, and medical agencies — including automated chasing when reports are overdue.
Post-Consumer Duty, the FCA expects evidence that outcomes are monitored and fair. Your claims system should generate this evidence automatically through structured workflows, mandatory fields, and time-stamped audit trails rather than relying on manual compliance checks.
Claims directors need real-time visibility into cycle times, leakage, reserve adequacy, and handler caseloads. The platform should provide configurable dashboards and scheduled reports without requiring separate BI tools or data exports.
Some claims platforms charge per claim or per user, which creates perverse incentives and unpredictable costs. Flat-rate pricing lets you scale claim volumes and onboard new handlers, outsource partners, or MGA teams without cost surprises.
Purpose-built capabilities for insurance claims software operations — not generic templates you have to work around.
Build workflows for each claim type — motor, property, liability, credit hire — with stage-specific rules, mandatory fields, and conditional routing. Adjust processes as your book evolves without developer involvement.
Set initial reserves at FNOL, track movements through the claim lifecycle, and enforce authority levels automatically. Dashboard views show reserve adequacy across the portfolio with drill-down to individual claims.
Instruct engineers, solicitors, repairers, and medical agencies directly from the claim. Track instruction status, chase overdue reports automatically, and attach all third-party correspondence to the claim record.
Every claim action is logged with timestamp, user, and context. Workflow automation ensures mandatory steps — vulnerability checks, fraud indicators, complaints triage — cannot be bypassed, creating the evidence trail the FCA expects.
Claims enter via web portal, API feed from brokers, email parsing, or manual entry. SwiftCase automatically categorises the claim type, sets initial reserves based on your rules, and assigns the claim to the appropriate handler or team.
Each claim follows its configured workflow: document requests, third-party instructions, liability investigations, and settlement calculations happen in sequence with automated task assignment and SLA monitoring at every stage.
Track reserves against authority limits, record interim and final payments, and reconcile with your finance system. Automated alerts flag claims approaching authority thresholds so they can be escalated before they stall.
Generate MI reports on cycle times, costs, leakage, and handler performance. The complete audit trail for each claim is available for FCA reporting, complaint reviews, or internal quality assurance at any time.
See how teams use SwiftCase for insurance claims software across different scenarios.
Handle the full motor claims lifecycle including liability assessment, engineer inspections, approved repairer networks, hire car provision, and personal injury referrals. Automated triage routes total losses and fraud indicators to specialist teams.
FNOL → Liability → Engineer → Repair/Write-Off → Settlement → Close
Manage escape of water, storm, fire, and subsidence claims with workflows that coordinate loss adjusters, restoration contractors, and alternative accommodation. Track drying certificates, scope of works, and staged payments.
FNOL → Loss Adjuster → Scope → Contractor → Staged Payments → Close
Track employers liability and public liability claims through extended lifecycles. Manage solicitor instructions, medical evidence, court deadlines, and negotiation stages with automated chasing and SLA monitoring across multi-year timelines.
FNOL → Investigation → Solicitor → Medical → Negotiation → Settlement
Manage credit hire and credit repair operations including vehicle deployment, rate negotiation, intervention strategies, and recovery. Track hire durations, challenge protocols, and settlement against agreed rates.
Referral → Vehicle Deploy → Hire Monitor → Intervention → Recovery → Reconcile
Yes. Each claim type — motor, property, liability, credit hire, or any bespoke line — can have its own workflow with unique stages, fields, routing rules, and SLA targets. You can create and modify claim-type workflows yourself using the visual builder without developer involvement.
Every claim action is automatically logged with a timestamp and user ID, creating the audit trail the FCA expects. Workflows enforce mandatory steps such as vulnerability screening, fraud indicator checks, and complaints triage so they cannot be skipped. This generates compliance evidence by design rather than through retrospective audits.
SwiftCase provides a REST API for bi-directional data exchange with policy administration systems, bordereaux feeds, accounting platforms, and third-party supplier portals. Most integrations are configured during implementation and included in your plan at no additional cost.
Built-in dashboards cover cycle times, reserve movements, handler caseloads, SLA performance, and cost leakage. Reports can be filtered by claim type, handler, date range, and outcome. Scheduled reports can be emailed to stakeholders automatically, and all data is available via API for external BI tools.
SwiftCase uses flat monthly pricing starting from £650/month with unlimited users. There are no per-claim charges, so your costs do not increase as claim volumes grow. Implementation, workflow configuration, and ongoing support are included in every plan.
Claims Operations?
See how SwiftCase can streamline your claims lifecycle from FNOL to settlement with automated workflows and FCA-compliant audit trails.
