Insurance companies know – today more than ever- that price as well as a smooth claims management play a key role in the customer satisfaction and loyalty.

„Claims management process begins at the scene”. It is crucial to make note of the event and to accurately and promptly know the damage occurred, the coordinates and the exact extent of the damage. As a “process owner” the insurer can organize the steps to follow, such as repair approval, repair shop scheduling, and other services in a cost effective manner.

The control of the damage recovery actions, a decrease in the processing time and an increase in the customer satisfaction not only has an impact on the loss ratio for insurers. It also grants them a significant competitive advantage. Mobile technologies not only assist in the process to the client or victim, the resources of the insurer can be optimized as well as the utilization capabilities.

In order to actively control the damage process at the scene, we have – in collaboration with insurance providers - developed applications for mobile phones. These applications use SPACE technology and are created to provide worldwide transfer of claims information between insurer and policyholders.

With mobile applications, the policyholder can now notify a claim, at the time of the accident and transmission information such as claims data, location where the accident took place and photos of the damage can be sent directly to the insurer. Additionally, the policyholders will automatically receive information about the next contractual repair shop. Through appropriate interfaces, the system offers the possibility to automatically organize the rental of a vehicle.

In comparison to the conventional claims notification and settlement, mobile claims management offers the possibility of many advantages of innovative mobile data transfer.

Benefits for the policyholder:

• Fast and non-bureaucratic assistance with intuitive menu navigation
• Time-saving
• Exoneration  of obligation to inform
• 24h-service for repair shop and rental car
• Transmission of information at a low cost

Benefits for the insurer:

• Structured claims data collection
• Data consistency and no redundancy
• Active claim management through process control
• Efficient repair shop control
• Large monetary and time savings
• Clear positioning against the competition
• Customer loyalty
• Cross and up selling potential by offering their own mobile applications
• Efficient processing of basic losses
• High customer satisfaction