Enterprise Insurance Platform

Complete Insurance.
One Platform.

End-to-end Takaful & conventional insurance management for Motor, Medical, and General lines of business.

Motor Insurance

The Platform

From Chaos to Clarity

The Challenge

Traditional insurance operations struggle with disconnected systems

Fragmented legacy systems & data silos
Manual paper-based processes
Weak fraud detection capabilities
No AI/ML automation utilization
Document management chaos
Uptime & scalability issues
Poor user experience & accessibility
Slow claim settlements

The Solution

V Insurance unifies your entire operation in one intelligent platform

Unified cloud platform
100% digital workflows
AI-powered fraud detection
Full automation with AI/ML
Centralized document management
99.9% uptime with auto-scaling
Intuitive user experience
Instant claim processing
Insurance Lines

Complete Coverage, Every Line

01

Motor Insurance

From Quote to Policy in Under a Minute

Complete motor insurance lifecycle management with AI-powered quotation, instant policy issuance, and zero human interaction required. Comprehensive plans management with Comprehensive and Third Party options, configurable based on company appetite and risk assessment.

AI-Powered Quotation

  • AI & Computer Vision OCR for instant quotes
  • No human interaction - quote in under 1 minute
  • 50+ validation points for eligibility
  • EVT & RTA integration for real-time vehicle data

Plans Management

  • Comprehensive & Third Party plans
  • Dozens of configurable coverage options
  • Risk-based pricing by company appetite
  • Dynamic underwriting rules engine

Policy Lifecycle

  • Real-time policy issuance & binding
  • All endorsements: Cancellation, Extension, Name Change
  • Automated renewal management
  • Full Broker Portal integration
02

Motor Claims Portal

Initiation to Settlement, Fully Digital

End-to-end claims management with AI-powered document processing, integrated garage network, and digital approval workflows. From first notification to final settlement, completely paperless.

Claims Workflow

  • Digital initiation by agents or customers
  • Initiation to settlement digital flow
  • Multiple losses & recoveries management
  • Digital approvals for settlements

Partner Integration

  • E2E garage management system
  • Digital LPOs, quotations & invoices
  • E2E contractors management for property losses
  • Surveyor mobile app integration

AI & Automation

  • AI & Computer Vision OCR for all operations
  • Automated validation from initiation to settlement
  • ML-powered fraud detection
  • Full Broker Portal integration
03

Medical Insurance

Complete Healthcare Coverage Management

Comprehensive medical insurance management for individuals and corporates. AI-powered document processing, Shafyia & MOI integration for data retrieval, penalties calculation, and support for all UAE visa types.

Policy Management

  • Individual, family & corporate group plans
  • Support for all UAE visa types
  • Real-time member eligibility
  • COC certificate generation & lifecycle

Integration & Automation

  • Shafyia & MOI data retrieval integration
  • AI OCR for document processing
  • Seamless TPA connectivity
  • Automated penalties calculation

Member Services

  • Digital member cards
  • Benefits tracking & provider search
  • Self-service renewals portal
  • Full Broker Portal integration
04

General Insurance

Flexible Coverage, Infinite Possibilities

Configurable product engine for Property, Marine, Liability, Professional Indemnity, and specialty lines. Build custom products with flexible coverage options and automated underwriting rules.

Product Lines

  • Property, Marine & Engineering
  • Professional Indemnity (PI)
  • Workmen's Compensation & Travel
  • Liability, Fidelity & more

Configuration

  • Dynamic product configuration
  • Custom coverage builders
  • Automated underwriting rules
  • Multi-currency support

Operations

  • Claims management
  • Policy endorsements
  • Full Broker Portal integration
  • Reporting & analytics
05

Payment Gateway Integration

Multiple Payment Options, Seamless Transactions

Integrated payment processing with support for major regional and international payment gateways. Accept cards, BNPL, POS devices, and digital wallets for premium collection.

Card & POS Payments

  • Visa, Mastercard, AMEX support
  • 3D Secure authentication
  • POS devices integration
  • Recurring payments for installments

Digital Payments

  • MyFatoorah payment gateway
  • Apple Pay & Google Pay
  • Bank transfers & SADAD
  • Multi-currency support

Buy Now Pay Later

  • Tabby integration
  • Tamara integration
  • Split payment options
  • 0% interest installments
06

Customer Portal

Self-Service Insurance Experience

Digital marketplace and self-service portal for policyholders. Browse products, compare plans, manage policies, submit claims, and make payments - all from any device with UAE Pass integration.

Digital Marketplace

  • Product comparison & instant quotes
  • Online policy purchase & binding
  • UAE Pass & Google SSO login
  • Apple Pay, Tabby & Tamara payments

Customer Dashboard

  • All active policies in one view
  • Download certificates & documents
  • Endorsement requests online
  • Rewards & cashback balance

Claims & Communication

  • Submit claims with photo upload
  • Real-time status tracking
  • WhatsApp & SMS notifications
  • Cross-device session sync
Enterprise Capabilities

Beyond Insurance. Complete Operations.

V Insurance extends beyond policy management to power your entire enterprise with integrated tools for distribution, relationships, and insights.

Broker Portal

Empower your distribution network

Complete self-service portal for brokers with zero-typing AI quotation, automated policy issuance, and full financial visibility.

Zero-typing AI-based quotation generation
Automated payment gateway & policy issuance
Full financial management & statements
Renewals reminders for broker policies
Broker users management
Referral on restricted cases with digital approval

Brokers Management

Complete broker ecosystem control

Comprehensive broker management for insurance companies. Control users, commissions, legal paperwork, finances, and enabled products.

Broker users & access management
Multi-tier commission structures
Legal paperwork & documentation
Financial accounting & reconciliation
Enabled products & plans configuration
Production monitoring & analytics

Unified CRM

Every lead, every interaction

Centralized customer relationship management with intelligent lead routing and agent performance tracking.

Lead management & scoring
Agent assignment rules
Activity tracking
Performance analytics

Access Control

Granular permissions, complete security

Enterprise-grade user management with role-based access control and comprehensive audit trails.

Role-based permissions
Department segregation
Activity audit logs
SSO integration ready

Analytics Engine

Insights that drive decisions

Real-time business intelligence with customizable dashboards and regulatory reporting automation.

Executive dashboards
Regulatory reports
Custom report builder
Automated scheduling
Marketing & Loyalty

Customer Retention Tools

Turn one-time buyers into loyal customers with integrated rewards and marketing automation.

Customer Rewards

Cashback & loyalty programs

Cashback on premium payments
Loyalty points system
Referral bonus programs
Milestone achievement rewards
Product-specific reward rules
Expiry management

Voucher Management

Promotional campaigns

Promotional discount codes
Partner voucher integration
Single/multi-use controls
Product-specific applicability
Usage tracking & limits
Campaign attribution

Campaign Management

Automated marketing

Customer segmentation engine
Automated email campaigns
Renewal reminder automation
A/B testing support
Performance analytics
ROI tracking

Communications Hub

Multi-channel outreach

Newsletter platform integration
WhatsApp Business API
SMS gateway connection
Email automation (SMTP)
Real-time subscriber sync
Engagement analytics
Financial Compliance

IFRS 17 Ready

Complete insurance accounting framework built for UAE regulatory requirements.

IFRS 17
International Financial Reporting Standard
PAA
Premium Allocation Approach
UAE Insurance Authority
Regulatory Compliance

Premium Management

Premium allocation & recognition
Deferred acquisition costs
Commission calculations
Reinsurance premium processing
Corporate tax & VAT handling
Installment tracking

Claims Financial

Claims reserve calculations
IBNR estimates (Incurred But Not Reported)
Claims payment processing
Reinsurance recoveries tracking
Risk adjustment updates
Salvage & subrogation

Cash Flow Management

Premium collection monitoring
Claims disbursement tracking
Commission payables
Reinsurance settlements
Reconciliation automation
Multi-currency support

Liabilities & Reserves

Liability for Remaining Coverage
Liability for Incurred Claims
Technical provisions
Unearned premium reserves
Risk margin calculations
Contractual Service Margin (CSM)

Financial Reporting & Compliance

Insurance contract measurements
Insurance service results
Insurance finance results
Regulatory submissions
Audit documentation
Portfolio profitability
Technical Excellence

Built for Scale, Secured by Design

Cloud-native architecture hosted on UAE-based data centers, designed for enterprise performance, regulatory compliance, and future-proof scalability.

UAE Cloud Infrastructure

UAE-based data centers with auto-scaling, 99.9% uptime SLA, and data residency compliance

Security & Compliance

End-to-end encryption with data sovereignty and regulatory compliance

API Integration

RESTful APIs for seamless third-party connectivity

Real-time Processing

Instant quotations, live policy updates, immediate notifications

Object Storage

Secure document storage with CDN delivery and automatic backups

Data Analytics

AI-powered insights and predictive modeling

MERN StackMongoDB, Express, React, Node.js
Python & AIFastAPI, ML models, OCR processing
IFRS 17Full regulatory compliance
UAE CompliantInsurance regulations
UAE Data CentersData residency & sovereignty

Redis Cache

High-speed session management and real-time data caching

Elasticsearch

Full-text search across policies, claims, and documents

WebSocket

Real-time notifications, live updates, and instant sync

DevOps & Infrastructure

Enterprise-grade deployment and reliability

CI/CD pipeline automation
Blue-green deployments
Automated testing suite
Infrastructure as Code (IaC)
Container orchestration
Log aggregation & monitoring

Disaster Recovery

Business continuity assurance

Multi-level backup strategy
Real-time data replication
Automated failover systems
Regular DR testing
Zero data loss guarantee
Geographic redundancy
Success Story

Methaq Takaful Insurance

Complete Digital Transformation

How V Insurance powered Methaq's journey from traditional operations to a fully digital insurance powerhouse.

100%

Digital Operations

Complete elimination of paper-based processes

↑ 3x

Production Growth

Remarkable increase in policy production

↓ 80%

Fraud Reduction

Significant decrease in fraudulent claims

↓ 90%

Office Visits

Minimized in-person touchpoints required

Powered by AI & Advanced Technology

Key innovations that transformed Methaq's operations

End-to-End Digital Journey

From first quote to final claim, completely paperless

Partner Ecosystem

Garages, surveyors, and brokers fully integrated

AI Document Processing

Automated extraction and validation of documents

Computer Vision Claims

Instant damage assessment from photos

ML Fraud Detection

Real-time anomaly detection across all transactions

Insurtech Innovation Award
Digital Transformation Excellence

Ready to Transform
Your Insurance Operations?

Join leading insurers who have revolutionized their business with V Insurance. Let's discuss how we can accelerate your digital transformation.

UAE Golden Visa
Founder Recognition
5 Awards
Insurance & Brand Excellence
Enterprise Ready
Production Proven

Questions? Reach out directly