Claim lifecycle
Nine states from first notice to closure, each tied to the policy that covers it.
- Products
- Claims & Complaints
From FNOL to settlement. Fully connected to the policy.
Two regulated workflows, one policy record. Claims move through nine states with reserves that update the loss ratio live, while complaints run on clocks nobody has to remember.
Claims
Watch a claim move from first notice to closed.
Every state change is recorded against the claim and the policy that covers it.
Claim CLM-20418 · Policy POL930996
First notice of loss captured against the live policy.
Claim reserve → incurred claims → live loss ratio
Move the reserve and watch the portfolio react. No month-end rebuild required.
Claim reserve £4,200
Incurred claims £182,400
Live loss ratio 57.0%
Everything a claims team needs
Two-way messaging
Customers and handlers talk inside the claim, so nothing lives in a personal inbox.
Document requests
Request evidence from the customer and track what has and has not arrived.
Internal material
Keep handler notes and sensitive material separate from customer-visible content.
Reserves
Reserve movements flow straight into incurred claims and the live loss ratio.
Claim payments and settlement
Pay and settle claims with every movement recorded against the ledger.
Service-level clocks
Every claim knows how long it has been waiting and what is due next.
Daily chasing
Outstanding requests are chased automatically, every day, without a spreadsheet.
Complaints
Compliance clocks that don't rely on somebody remembering.
Statutory deadlines start counting the moment a complaint is received, including when that receipt is backdated.
Summary resolution
2d
Statutory limit: 3 business days
Final response
37d
Statutory limit: 8 weeks
Demo clocks, counting down live from a complaint received today.
Built for regulated complaint handling
Statutory clocks
Regulatory deadlines start the moment a complaint is received and never stop counting.
Backdated receipt date
Record when the complaint actually arrived, and the clocks recalculate from that date.
Outcomes and redress
Capture the decision and any redress paid, linked to the customer and policy.
Final-response requirement
A complaint cannot quietly close without the final response it legally requires.
Deadline warnings
Staff are warned before a deadline is missed, not after.
Policy linking
Complaints sit on the policy record, visible to anyone who opens it.
Doing technical due diligence? Every feature is in the capability register.
See every capabilityExplore the platform
See CRD Core running your products.
Book a walkthrough with the team, or try the live demo journey yourself.