MGA portal · Settlement 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”.
- Delegated authority with areas, level and term, revocable at any time
- One overview of all the fleets you look after, each within your delegated authority
- Changes to cases, approvals and data sharing are in the audit log, with person and time.
Fleet A
Authority · open-endedClaims: writeFleet B
Authority · open-endedClaims: readFleet C
Authority · with end dateClaims: writeStarting point
What slows down settlement on behalf
Three places where things get stuck today, and what Clamio does there.
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Unclear authority
What you may do for which fleet is recorded in emails and individual agreements.
With ClamioThe delegated authority defines areas, level and term. No area, no access.
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Many fleets, many filing systems
Each fleet supplies documents in its own way.
With ClamioOne overview of all the fleets you look after, each within your delegated authority.
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Who acted?
Later it is hard to prove who decided for the fleet.
With ClamioYour settlement decision carries the label “on behalf of”.
01Delegated authority
On behalf, clearly delimited
The fleet grants you delegated authority. You then work directly in the fleet’s data – only in the defined areas.
Fleetgrants, changes and revokes
Areas
Vehicles, claims and drivers are always included. Optional are contracts, users & settings, exports, own service providers, breakdowns and defects, tyres, and costs & invoices. An area only takes effect if the matching module is booked. No area, no access.
Level
Read or write per area. Read: you see. Write: you edit. You decide approvals if the delegated authority covers the Claims area with write access.
Costs & invoices
Amounts, invoices, open items and exports. Costs & invoices is preselected together with Claims and can be deselected.
Term
Open-ended or with an end date, with a reminder before expiry. Revocable at any time.
Consent
Invitation by authority code or request from the underwriting agent – nothing becomes active without the fleet’s consent.
Document
Authority document with versions, visible only to the fleet and the MGA.
- Always
- Vehicles: writeClaims: writeDrivers: read
- Costs
- Costs & invoices: writeCosts & invoices is preselected together with Claims and can be deselected.
- Optional
- Contracts: readUsers & settingsExportsOwn service providersBreakdowns and defectsTyres
- Term
- Open-ended or with an end dateReminder before expiry.
writereadnot delegated: no access
Revocable at any timeIf a delegated authority ends or changes, open approvals that the MGA may no longer decide go back to the fleet.
The settlement decision carries the label on behalf of
02Organisations
All clients in view
One overview of all the fleets you look after: dashboard, organisations and customer file.
Dashboard
Key figures across all the fleets you look after, each within your delegated authority.
Organisations
All fleets that have granted you delegated authority, with scope and status.
Customer file
Key figures, claims overview and status of approvals per customer.
New customers
You create new fleets as customers.
Directory
You select insurers and leasing companies from the directory of insurers and leasing companies.
OrganisationsIllustration · Example- Fleet A open-endedVehicles: writeClaims: writeDrivers: writeCosts: writeDelegated authority active
- Fleet B open-endedVehicles: readClaims: readDrivers: readCosts: deselectedDelegated authority active
- Fleet C with end dateVehicles: writeClaims: writeDrivers: writeCosts: writeContracts: readDelegated authority active
- Create a new fleet as a customer
- DashboardKey figures across all clients, each within your delegated authority.
writereadnot delegated
03Workflow
From delegated authority to settlement
With write authority you set up workflows for your fleets. The workflow applies settlement guidelines consistently: like cases are handled alike, and every step is documented.
The fleet grants the delegated authorityYou settle on behalf
Station 01 · Delegated authority
Accept the delegated authority
The fleet grants you the delegated authority with areas and level. You accept it or request it yourself.
- Nothing becomes active without the fleet’s consent.
- You create new fleets as customers.
- Clamio
- reminds you before the term expires
- You
- accept the delegated authority or request it yourself
Delegated authoritiesIllustrationTwo routes
- Accept delegated authorityInvitation by authority code
- Request delegated authorityRequest from the underwriting agent
Defined in it
Delegated authorityAreasLevelTerm
Nothing becomes active without the fleet’s consent.
Station 02 · Team
Allocate the team
Your administration distributes the claims handlers across the fleets you look after.
- The administration manages team, customers, delegated authorities and workflow templates.
- Tasks for people or teams, with due date, checklist and reminder.
- Clamio
- bundles incoming work in team trays; the team sees the status
- You
- distribute claims handling across the fleets you look after
Team · AllocationIllustrationClaims handling per fleet
- Fleet A
- Fleet B
- Fleet C
Roles in the team
AdministrationClaims handlingAccountingRead only
Station 03 · Process
One process for several fleets
You map recurring claims-handling processes as a graphical process chain. You set thresholds per fleet – that way one process fits several fleets.
- The conditions under which the process starts, such as damage type, severity or coverage type, determine which process fits.
- The check run finds gaps, the test run plays the process through on a test claim.
- Clamio
- commissions partners, obtains approvals and informs those involved
- You
- create, test and activate the process
Workflow · one processIllustrationIn the graphical editor
- Classify
- Commission partners
- Obtain approvals
- Monitor deadlines
- Inform those involved
Thresholds per fleet
- Fleet A
- Fleet B
- Fleet C
Drawn without values. Requirement: Automation booked.
Station 04 · Claim
Create and review claims
Create, review and handle claims – within the delegated authority. The review checklist (in preparation) gathers verifiable facts.
- Claim creation via interface: claims are never rejected because of missing details; there are warnings.
- Overriding is only possible with a reason and is logged in full.
- Clamio
- gathers verifiable facts, each item with a reason
- You
- assess review results and override with a reason – on behalf of the fleet
Claim file · Review checklistIllustration · ExampleReview checklist · each item with a reason In preparation
- Contract active on the date of lossmet
- Vehicle in the contractmet
- Police report available?not met · overridden with a reason
- Possible duplicateunclear
!Created via interfaceIf details are missing, there are warnings. The claim is never rejected for that reason.
Station 05 · Settle
Settlement decision marked as on behalf
You review, commission partners, decide approvals and manage the reserve – on behalf of the fleet.
- Full settlement, partial settlement, rejection or cost coverage, each documented with a reason.
- If the four-eyes principle is switched on, two people confirm from an amount limit upwards.
- Clamio
- labels your settlement decision “on behalf of”
- You
- settle, only in the defined areas
Claim file · on behalfIllustrationFleet A: the delegated authority covers claims and costs with write access. The settlement decision carries the label “on behalf of”.
Station 06 · Evidence
What is in the audit log
Changes to cases, approvals and data sharing are in the audit log, with person and time.
- Filterable and exportable, also for audits.
- The insurer sees who has acted.
- Clamio
- returns open approvals that you may no longer decide to the fleet when the delegated authority ends or changes
- You
- document every decision you have made on behalf
Audit logIllustrationDelegated authority from Fleet C endsIf a delegated authority ends or changes, open approvals that the MGA may no longer decide go back to the fleet.
Drawn without names and times.
Every run is traceable in the claim file: the “Workflow” tab shows every step, every result and every waiting time.
One process, several fleets
You set thresholds per fleet instead of hard-coding numbers.
Like cases, handled alike
The workflow applies settlement guidelines consistently, and every step is documented.
Starts with the report
Workflows start automatically. For claims, admins can also start or cancel a process by hand, traceably logged.
Discretion stays with people
The process waits until the decision is made. Clamio never decides itself.
03.1Deadlines and follow-ups
No case is forgotten
- Monitor settlement deadlines with follow-up and escalation (in preparation) – for all the fleets you look after.
- You handle follow-ups on behalf and close cases.
- Closure only once all orders are done and all invoices decided, never automatically.
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.
04Finance
Settlement through to accounting
Reserve, settlement letters, receivables and invoices – on behalf of the fleet.
Reserve
Manage the reserve and document the settlement decision with a reason. Every reserve change is recorded as a new, unalterable entry with reason, person and time.
Receivables
Recourse, recharge to driver, excess, reimbursement and recharge as open items of the fleet – on behalf, with the “Costs” area of the delegated authority.
Invoices
Claims handling reviews and approves invoices; accounting marks payments as paid.
Export
List exports as a CSV file with the active filters. Booking export for accounting, provided the fleet has shared costs.
Settlement letters from templates
Illustration- 01TemplateSettlement letters are created from your templates.
Audit log exportFor audits: the audit log, filterable and exportable.
05Collaboration
You settle, everyone works along
All parties work on the same case, and each sees their own section.
FleetGrants the delegated authority
The fleet sets the rules
The fleet sets the approval limit and the receipt requirement. They apply to everyone who decides.
Solution for fleets
InsurerSees who has acted
The insurer decides in its own inbox
The insurer decides in its own approvals inbox; you decide on behalf with write authority.
Solution for insurers
Service providersOrders when a claim occurs
You commission partners on behalf
You choose partners as fixed or preferred partners. Requests go out at once, one after another or at the same time. Your administration places orders with partners.
Solution for service providersYour team, four roles
- Administration
- Full handling for fleets with write authority. Manages team, customers, delegated authorities, workflow templates and integrations, and places orders with partners.
- Claims handling
- Handles claims, decides approvals, approves invoices and communicates.
- Accounting
- Invoices, booking export (provided the fleet has shared costs), marking payments as paid.
- Read only
- Sees without changing.
Also included
- Invoices
- Key figures across all clients
- Tasks
- Documents
- Users and roles
- Exports
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 underwriting agents want to know in advance
How do I obtain delegated authority?
By the fleet’s authority code or via your own request. Nothing becomes active without the fleet’s consent.
Can I decide approvals?
Yes, if the delegated authority covers the Claims area with write access.
What happens when the delegated authority ends?
If a delegated authority ends or changes, open approvals that the MGA may no longer decide go back to the fleet.
Does the insurer see who has acted?
Yes. Your settlement decision carries the label “on behalf of”.
For which cases can I work on behalf?
For claim, breakdown (add-on module) and defect (add-on module), each in the areas of your delegated authority.
Can I set up workflows for my fleets?
Yes, with write authority. Requirement: Automation booked.
Demo
See Clamio for underwriting agents
In a demo we show you the MGA portal with delegated authority and settlement.