VInsure/Claims
Motor Claims · a universe of its own

From first notice to final payout, and the wreck after it, in one system.

One claims engine carries every loss along a single traceable path. It decides at survey whether to repair, pay cash or declare a total loss, and brings garages, surveyors, adjusters, finance and the customer into the same workflow.

One claim, several losses
Claim tracker in the app

One claim, several losses, each with its own reserve, status and handler. The customer follows it at every stage.

The journey map

At survey, one decision routes the whole claim.

Choose a path, then step through its stations. A repair can switch to cash without starting again: the survey and estimate carry over.

CUSTOMER · STAFF

Report

Report a claim from anywhere: staff, the customer app, or the claim website. The policy is validated as it is typed.

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Your claim is in, with a number to track.
RUNNING ALONGSIDEUnder every claim, the whole time.
Turnaround-time clockper process and role, with approaching and overdue flags
Complaint ticket lanea regulator complaint gets a 3-working-day deadline
Additional lossestowing, car hire, storage, each with its own approval ladder
Recoveryfrom other insurers
Full audit trailof who did what and when
Who touches a claim

Eleven parties. All of them meet in one system.

The claim
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Customer

Reports, tracks like a parcel, accepts and signs offers.

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Inside the claims engine

Thirteen parts, one engine.

Select a part to see what it does and how it looks on screen.

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PART 01 / 13

One claim, many losses, one clear status line.

01

Report a claim from anywhere: staff, the customer app, or the claim website. The policy is validated as it is typed.

02

One claim, many losses: own car, third-party car, property and injury. Each loss has its own owner, status and clock.

03

One clear status line: new → accepted → opened → surveyed → quotation requested → quotation received → LPO → repair in progress → repair completed → invoice → credit note → settled.

04

A rich loss file: overview, survey, quotations, LPO, documents with version history, finance, cash settlement, total loss, salvage, recovery, third-party, property, hospitals, legal, loss adjuster and history.

05

Reopen and additional losses (car hire, towing, storage, roadside, legal, medical), each with its own approval ladder.

06

"Action Required" queue: everyone opens the day knowing what needs doing.

07

Turnaround time (TAT) engine: targets per process and role in working hours, a UAE holiday calendar, approaching and overdue flags, and a process-aging view on every loss.

08

Full audit trail: every action is stamped with who and when, and settings changes keep their own history.

Every claim in one list: new, opened, re-opened, closed, including claims filed in the app.
Every claim in one list: new, opened, re-opened, closed, including claims filed in the app.
Garage network · fair-share rule

No single garage group takes too much of the work.

VInsure measures each garage group's share of live repair work. A four-branch chain counts as one business. Overrides need a reason and are logged.

Share of live repair work 12%
0%15% warn25% block40%
CLEAR Within the fair share. Work can be assigned.
Fair-share rule
Fair-share rule: no garage group takes too much of the work.

“The garage logs into your system and sees only its own work. No email, no phone tag.”

“A live league table of your garages, scored on cost, speed and complaints.”

Complaints governance

A regulator complaint can't slip quietly.

It has its own deadline, owner and register. Every customer concern on a claim becomes a ticket in one cross-claim queue.

Customer concerncall · email · chatbot · walk-in
Ticket createdtopic · priority · owner
Auto-routedby topic and emirate
REGULATOR COMPLAINTcritical · reference number · 3 working days · restricted access
NORMALqueue with a due date
Daily overdue digest
Resolvedwho and when recorded · Complaints Register
AI comment triage

Routine answers drafted. You choose how far it goes.

An AI assistant reads incoming claim comments, sorts them by topic, and drafts or completes the routine answer, for example "where is my repair?". Regulator complaints are always left to a person. Every AI action can be undone, and the undo teaches it.

LEVEL 2 · SET PER TOPIC Suggest to staff It drafts the routine answer and a person sends or edits it.

A metrics card shows how many comments it resolved and how often staff overrode it.

NEXTSalvage AuctionOne click from a total-loss claim to a live auction lot.
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