Insurer portal · For claims settlement
Settle fleet claims together
In the Insurer portal you work on the same files as the fleet and the underwriting agent (MGA). You decide approvals, manage the reserve and set your coverage decision.
- A dedicated approvals inbox collects all approvals addressed to you
- Settlement decision documented in the file with a reason
- Reserve with complete history: reason, person and time of every change
- Coverage decisionCoverage confirmedCoverage type: fully comprehensive
- Reserve7.240,00 €with reason, person and time
- Settlement decisionPartial settlementdocumented with a reason
Starting point
What slows down settlement today
Three places where things get stuck today, and what Clamio does there.
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Requesting files
Documents arrive by email and in pieces. If something is missing, you ask again.
With ClamioYou work on the same file as the fleet and the MGA. You see documents as soon as they are shared with you.
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Research instead of assessment
Before you can assess, you gather the facts yourself.
With ClamioCourse of events, photos, parties and history are in the shared file. You set the coverage decision.
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Decisions without a record
Who decided what and when is hard to trace later.
With ClamioEvery reserve change is in the history with reason, person and time. Changes to cases, approvals and data sharing are in the audit log, with person and time.
01Your section
The same file, your section
Each organisation sees its own cases and those for which it has an order or delegated authority, or which it insures. You see the cases shared with you.
Shared cases
The shared claims list and file, with course of events, photos, parties and history.
Documents
You see the expert report, cost estimate and police report as soon as they are shared with you.
Acted on behalf
You also see what the MGA has done on behalf of the fleet.
One file, everyone sees their own section.
Claim file · Insurer’s viewIllustrationYour section
- Course of events, photos, partiesvisible: in shared cases
- Review checklistvisible: each item met, not met or unclear (in preparation)
- Reserve and coveragevisible: you manage and set them
- Documentspartly: once shared with you
- Invoicespartly: for which you are the payer
- Documents not sharednot visible: do not appear for you
- Other parties’ casesnot visible: do not appear for you
02Workflow
From shared case to settlement
The fleet or the MGA defines the process. You take part via approvals and tasks. The process waits until the decision is made. Clamio never decides itself.
Fleet or MGA shares the caseYou settle
Station 01 · Shared case
The case arrives complete
All ways of reporting lead to the same file with photos, course of events, parties and vehicle.
- You also see what the MGA has done on behalf of the fleet.
- Clamio
- leads all ways of reporting into the same file
- You
- work on the same file as the fleet and the MGA
Claim file · shared with youIllustrationIn the file
Course of eventsPhotosPartiesHistory
Assigned
The case is in the shared claims list.
Station 02 · Review
Facts gathered, decision with you
The review checklist (in preparation) shows met and open items; you set the coverage decision.
- If the claim, documents or contract change, the review checklist recalculates.
- Overriding is only possible with a reason and is logged in full.
- Clamio
- gathers verifiable facts, each item with a reason
- You
- set the coverage decision, coverage type, liability ratio and your own claim number
Review checklist and coverageIllustration · ExampleReview checklist · each item with a reason In preparation
- Contract active on the date of lossmet
- Reporting deadline metmet
- Police report available?not met
- Possible duplicateunclear
Your details in the file
- Coverage decision
- Coverage type
- Liability ratio
- Your claim number
You set the coverage decision in its own field. The review checklist never writes it.
Station 03 · Approve
Every decision that affects costs is documented
A dedicated approvals inbox collects all approvals addressed to you. If the four-eyes principle is switched on, two people confirm from an amount limit upwards.
- You give reasons for rejections. Changes to cases, approvals and data sharing are in the audit log, with person and time.
- The process waits until the decision is made.
- Clamio
- puts the approval in your inbox and waits until the decision is made
- You
- decide, with a documented reason
Approvals inbox · Settlement decisionIllustrationFull settlement: settlement decision documented in the file, with a reason.
Approval types, for example for
CostsRepairExpert reportTotal lossReworkCar rental
Station 04 · Reserve
Reserve with complete history
You manage the reserve. If costs exceed it, Clamio points out an increase.
- Every reserve change with reason, person and time, as a new, unalterable entry.
- Clamio keeps the reserve as a complete history.
- Clamio
- suggests the initial reserve per damage type and recommends increases, but never increases it itself
- You
- confirm or change the reserve
Reserve · HistoryIllustration!Costs exceed the reserveClamio recommends an increase, but never increases it itself.
Drawn without amounts. In the portal every entry is shown with reason, person and time.
Station 05 · Invoice
The payer reviews invoices
You review and approve invoices for which you are the payer, or reject them with a reason.
- You then record the payment.
- Partners submit invoices and only see their own amounts.
- Clamio
- presents the invoice to the payer
- You
- approve or reject with a reason
Invoice · You are the payerIllustrationYour decision
- Approve
- Rejectwith a reason
After approval: record the payment.
Station 06 · Closure
Closure only once everything is decided
Closure only once all orders are done and all invoices decided, never automatically.
- On closure the reserve is released (in preparation).
- Clamio
- creates a closure review as a task for inactive cases (in preparation)
- You
- are informed about the closure
ClosureIllustrationRequirements
- All orders done
- All invoices decided
- Reserve releasedIn preparation
You are informed about the closure.
Changes to cases, approvals and data sharing are in the audit log, with person and time.
Who builds the process
The fleet or the MGA maps recurring claims-handling processes as a graphical process chain.
Like cases, handled alike
The workflow applies settlement guidelines consistently. Like cases are handled alike, and every step is documented.
Marked as on behalf
The MGA’s settlement decision carries the label “on behalf of”.
Discretion stays with people
The process waits until the decision is made. Clamio never decides itself.
02.1Deadlines and follow-ups
No case is forgotten
- Monitoring of settlement deadlines (in preparation)
- Clamio creates follow-ups and escalations automatically (in preparation).
- Tasks for people or teams, with due date, checklist and reminder.
One settlement deadline, four stages In preparation
Illustration- 01Receipt of the claimThe settlement deadline runs from here.
- 02Follow-upClamio creates it automatically.
- 03Warning before the deadline expiresValues adjustable per fleet.
- 04Escalationto the defined team
The fleet switches monitoring on. It sets values and the escalation team.
03Communication
In the file instead of the mailing list
All parties communicate in the claim file instead of via email distribution lists. Documents sit centrally in the file and are shared selectively.
Chat
Chat per file with fleet, MGA, insurer and the partners commissioned.
Documents
For all parties or shared selectively. Every share and every download is logged.
Tasks
Tasks for people or teams, with due date, checklist and reminder.
Notifications
In the portal and by email in the recipient’s language. Messages to partners and drivers contain no claim amounts.
Claim file · HistoryIllustration- Garageuploads the cost estimate
- Fleetshares the document with you
- Underwriting agent (MGA)requests the approval
- Insurer · Youdecide in the approvals inbox
Example history. Changes to cases, approvals and data sharing are in the audit log, with person and time.
04Key figures
Key figures within your own view
Open claims, claims frequency, open reserve, cycle time and partner comparison for your cases.
- Key figures with fixed definitions, preset per portal and role, and adjustable.
- In the key-figure analyses, very small groups are hidden automatically.
- List exports as a CSV file with the active filters.
- Amounts only with the matching permission.
Dashboard · Insurer portalIllustration- Open claims
- Claims frequency
- Open reserve
- Cycle time
- Partner comparison
05Collaboration
You settle, everyone works along
Whoever gets on works in their own portal and only sees their own section.
FleetShares the case
The fleet shares; you review and decide on the settlement
Solution for fleetsUnderwriting agent (MGA)Settlement on behalf
You see who has acted
The MGA works with delegated authority directly in the fleet’s data, only in the defined areas.
Solution for underwriting agents
Service providersOrders when a claim occurs
Your preferred partners
You store preferred partners. Your preferred partners are used in partner selection.
Solution for service providersAlso in the Insurer portal
- Dashboard
- Chat
- Tasks
- Documents
- Preferred partners
- Users and roles
- Audit log
DirectoryThe insurers’ master data in the directory is checked and approved.
Everyone sees only their own section
- Own cases and orders
- Each organisation sees its own cases and those for which it has an order or delegated authority, or which it insures.
- Roles per organisation type
- Amounts and reserve are separate permissions.
- Data in the EU, encrypted in transit
- Data stored in data centres in the EU; transmission is encrypted (TLS).
Frequently asked questions
What insurers want to know in advance
Who sets the coverage decision?
Only you, in its own field. The process waits until the decision is made. Clamio never decides itself.
Do I see all documents in the file?
You see the documents that are shared with you.
How do I recognise what the MGA has done?
The MGA’s settlement decision carries the label “on behalf of”.
Which invoices do I review?
The invoices for which you are the payer. You review and approve them or reject them with a reason. You then record the payment.
Where is the data held?
Data stored in data centres in the EU. Transmission is encrypted (TLS).
Demo
See Clamio for insurers
In a demo we show you the Insurer portal with approvals, reserve and invoice review.