01Process

One case, step by step

The line map shows who gets on. Here you see the process for each case type: who comes in when – and where Clamio gives the cue.

Example process (illustration)

Stations as in the line map. Not every case type stops at every station.

02Workflow

The workflow steers,
people decide

Clamio orchestrates. Everyone pitches in.

The fleet or the MGA maps recurring processes as a graphical process chain: one process for claim, breakdown, defect and violation. Like cases are handled alike, and every step is documented.

All about automation

Example process Illustration · simplified

Trigger ClaimBreakdownDefectViolation

A case is only closed once no orders or invoices are open.

Step 3 · Partner selection

The right partner, by your rules

Partner selection

Fixed partner
Preferred partner

You choose partners as fixed or preferred partners. Requests go out at once, one after another or at the same time.

If no partner is found

Create manual interventionCreate order without partner

Your own service providers without an account take part via a protected order link.

Dispatch · try it out

Order at once Ask one after another Ask at the same time

As soon as one partner accepts, the request is settled for the others. If one declines, the request to the others stays open.

Checked and tested

The check run finds gaps, the test run plays the process through on a test claim – before go-live.

Every run in the file

The “Workflow” tab in the claim file shows every step, every result and every waiting time. Workflows start automatically. For claims, admins can also start or cancel a process by hand, traceably logged.

Starts with the report

As soon as a report comes in, the process starts. Requirement: Automation booked.

Your guidelines, binding

The workflow applies your settlement guidelines consistently.

03AI

Clamio suggests, you decide.

AI helps with reporting and reviewing. On damage photos Clamio marks detected damage and lists the damaged parts with damage type. You verify or correct the suggestion.

Illustration

AI Analysis

Damage Detections

Dent
Scratch

Damaged Parts

Left sliding door
Driver’s door

Clamio suggests. You decide.

Illustration to try out. Dashed means suggestion, solid means verified.

Damage photos and documents are stored in data centres in the EU, retrievable only via protected links that are valid for a short time. Detection runs in our own environment in the EU, without an external AI provider.

More about AI

04The file

One file instead of ten conversations

The driver reports, the partner repairs, the MGA settles, the insurer approves. Everyone works on the same cases, and each sees only their own section.

Many ways to report, one file

Driver appguided report with photos, also as a draft
Portalfleet and MGA record the full case
Integrationreport via interface

Claim fileView: Fleet portal

Illustration

Course of events, photos, status
Driver data
Documents
Claim amounts and costs
Reserve and coverage decision

The same file, as seen by

Coordination in the file

Chat, tasks and documents sit in the file. You share documents selectively with individual parties.

Fully traceable

Changes to cases, approvals and data sharing are in the audit log, with person and time. You can filter and export the audit log.

No case is forgotten

Clamio reminds you of deadlines. A case is only closed once no orders or invoices are open.

05Platform

Five areas, one platform

From the report through review, approval and settlement to closure. Five stations on the same line – here is the real interface, area by area.

Go to page

A structured file from report to closure – with photos, parties involved, vehicle and contract.
If it turns out to be a claim, you convert the breakdown (add-on module) or defect (add-on module) into a claim.

Claims list in the Fleet portal — The claims list with key figures, search, filters and status per claim. Demo data.

Go to page

06Solutions

Every role a line, each in its own portal

Everyone has their part in the case and their own portal for it. The colour shows where you are.

Fleet portalCases, vehicles, contracts, deadlines

Claims, breakdowns, defects and violations in one place

The Fleet portal brings cases together with vehicles, contracts and deadlines. Drivers report via the app, partners work in the same file.

Key figures on claims, costs, partners and fleet, matched to your role.
Define preferred partners and your own service providers.
Hand claims handling over to an underwriting agent (MGA) – with areas, level and term, revocable at any time.

Your partreportsorganisesapprovescloses

Solution for fleets

Dashboard in the Fleet portal (section): new claims over the last 12 months and claims by damage type — The dashboard in the Fleet portal. Demo data.

MGA portalSettlement on behalf

Settle on behalf of your fleets

With delegated authority you work directly in the fleet’s data – in clearly defined areas. Your settlement decision carries the label “on behalf of”.

Your partreviews on behalfcommissions partnersmanages the reserve

Solution for underwriting agents

All fleets that have granted you delegated authority, with scope and status.
Full settlement, partial settlement, rejection or cost coverage, each documented with a reason.
If a delegated authority ends or changes, open approvals that the MGA may no longer decide go back to the fleet.

Insurer portalShared cases

Settle fleet claims together

You work on the same files as the fleet and the MGA. You decide approvals, manage the reserve and set your coverage decision.

Your partCoverage decisionapprovesreviews invoices

Solution for insurers

A dedicated approvals inbox collects all approvals addressed to you.
The reserve with its complete history – reason, person and time of every change.
The review checklist (in preparation) gathers verifiable facts. You make the decision.

Service provider portalsOrders when a claim occurs

Five partners, each with their own portal

Each partner works in their own portal and only sees the cases for which they have an order. Requests arrive in the portal and by email.

Towing serviceAccept call-outs for claims and breakdowns and set the appointment. The driver sees the arrival time in the app.

GarageAccept orders, submit cost estimate and invoice – glass specialists included.

AssessorPrepare expert reports to order and deliver them straight into the file.

Car rentalReplacement vehicle for a claim or breakdown: confirm the request, report the car as active and as returned.

Law firmIn the file with the instruction, with documents and discussion. For a claim, the workflow can address approvals to the law firm, e.g. on settlement. Then the law firm decides.

Solution for service providers

Driver appfor iOS, Android and iPad

The direct line to the driver

Your drivers report claims, breakdowns (add-on module) and defects (add-on module) with photos, complete tasks and submit evidence. Costs and insurance decisions stay hidden.

In a breakdown the app immediately shows the cover on file, such as breakdown cover.
The daily overview shows appointments, deadlines and notices such as “Vehicle locked”.
No driver rankings, no scores, no telematics analysis.
The app interface in eight languages, for iOS, Android and iPad.

Coming soon to the App Store and Google Play

Your partreports with photoscompletes taskssubmits evidence

Solution for drivers

Driver app, “Capture” sheet over “My day”: under “Claim” the entries Report a claim and Add photos to a claim, under “Vehicle” Report a breakdown, Report a defect, Scan vehicle QR code, Report mileage, Upload evidence and Report tread depth, under “Violations” Fine notice / hearing form

Driver app, “My day” view (section): tiles for tasks, claims and today, with a new violation and the next appointment below.

Driver app in dark mode, “My day” view (section): tiles for tasks, claims and today, with a new violation and the next appointment below.

Driver app, report a breakdown, step 3 of 5 “What’s wrong?”: under “What happened?” Tyre is selected, next to it Won’t start, Engine or mechanics, Electrics, Wrong fuel, Key, Battery empty (EV) and Other. Below, the question “Can you keep driving?” answered No

07Industries

Clamio in your industry

Every industry uses the same Clamio functions, with a different focus. For each industry we show everyday cases: from a breakdown on a delivery round to a fine notice at a public authority.

08Security & data protection

Everyone sees only their own section

A finely graded role model governs who may see and do what.

Location: Data in the EU, encrypted in transitData stored in data centres in the EU. Connections are encrypted with TLS.
Visibility: Own cases and ordersEach organisation sees its own cases and those for which it has an order or delegated authority, or which it insures.
Amounts: Amounts only for those authorisedPartners only see amounts of their own orders and invoices; drivers see no claim amounts.
Audit log: Who, when, whatChanges to cases, approvals and data sharing are in the audit log, with person and time.
Data protection: Requests about your dataPlease address requests about your data to your fleet or to us. A function for this in the portal is in preparation.

Security & data protection in detail

Privacy settings

Privacy settings

Necessary

Statistics

Keeps it rolling.

One case, step by step

The workflow steers,
people decide

The right process for every case