Version française Manual claims processing and legacy policy systems are creating delays that cost insurers customers and money.
Insurance companies face mounting pressure from digitally native challengers, rising customer expectations for self-service, and the persistent cost of manual claims and underwriting processes that haven't changed in decades. At the same time, fraud losses continue to grow and regulatory reporting requirements are expanding. Kiloctet builds insurance technology platforms that modernize the customer journey from quote to claim, automate back-office operations, and apply data-driven tools to improve underwriting accuracy and fraud detection.
Technologies & platforms we use
An omnichannel quoting engine that guides customers through risk data collection, calculates premiums based on configurable underwriting rules, presents product options, and issues policies digitally with e-signature capability. The platform supports multiple product lines — motor, home, health, travel, commercial — from a single rules engine with product-specific configuration. Distribution channel management allows the same quoting capability to be deployed across direct, broker, and embedded channels with appropriate branding and commission structures.
A digital claims platform that handles first notice of loss, document and evidence collection, coverage verification, reserve setting, adjudication workflow, payment authorization, and settlement — replacing paper-based processes that slow cycle times and frustrate policyholders. Automated triage routes simple, low-complexity claims to straight-through processing while escalating complex cases to experienced adjusters. Real-time claim status visibility through a customer portal reduces inbound status queries to the call center.
A structured platform that gives underwriters a complete risk view — aggregating submission data, third-party data enrichment, exposure analytics, and portfolio-level concentration information — alongside the tools to accept, modify, or decline risks and issue binders with configured approval workflows. Pricing override tracking and rate adequacy analytics ensure underwriting decisions are made within defined guidelines and deviation patterns are visible to management. The workbench integrates with reinsurance placement tools for facultative and treaty reinsurance workflows.
A machine learning-assisted fraud detection system that screens incoming claims and policy applications against a configurable rule library, network analysis of related parties, and behavioral anomaly models trained on historical fraud patterns. Suspicious cases are flagged with an explanation of the triggered indicators and routed to the special investigations unit with all supporting evidence consolidated in a case file. Fraud analytics dashboards track detection rates, investigation outcomes, and financial recovery across the portfolio.
A digital portal where brokers and agents can quote, bind, manage policies, submit endorsement requests, track claims on behalf of clients, and access their book of business analytics from a branded self-service environment. Automated commission calculations and statements reduce the manual reconciliation work between insurer and distribution network. Broker performance analytics give distribution managers visibility into productivity, premium quality, and loss ratios by producer.
Omnichannel quoting engine covering risk capture, premium calculation, policy issuance, and e-signature.
End-to-end claims platform from first notice of loss through adjudication, payment, and settlement.
Structured risk assessment platform with data enrichment, pricing tools, approval workflows, and portfolio analytics.
ML-assisted claim and application screening with case management for special investigations.
Self-service platform for distribution partners to quote, bind, manage policies, and track commission.
Core system managing the full policy lifecycle including endorsements, renewals, cancellations, and document generation.
Manages treaty and facultative reinsurance placements, bordereau reporting, and recoveries.
Automates production of required regulatory returns including Solvency II, IFRS 17, and local authority submissions.
Claims cycle time is the single most important driver of policyholder satisfaction in insurance, and it is almost entirely determined by the efficiency of the claims handling process. Automated triage, straight-through processing for simple claims, and digital document collection reduce average cycle times by 40–60% compared to manual paper-based processes. Faster settlement not only improves satisfaction scores but also reduces the cost of claims handling per file.
Underwriting workbenches with integrated third-party data enrichment — telematics, property data, credit scores, industry loss statistics — give underwriters a more complete risk picture than manual research alone can provide, enabling more accurate pricing and risk selection. Portfolio-level analytics surfaces concentration risks, rate adequacy trends, and loss ratio deterioration earlier than traditional quarterly reviews allow. Better underwriting decisions compound over time into meaningfully improved combined ratios.
Insurance fraud accounts for a substantial percentage of claims paid by most insurers, and manual detection methods based on adjuster intuition and random audits are ineffective at the scale of modern claims volumes. Machine learning-based detection systems that screen every claim against behavioral models and linked entity networks identify significantly more fraud than manual methods, at a fraction of the investigation cost per case. Fraud prevention programs powered by data analytics typically generate returns of five to ten times their implementation cost.
Direct digital quoting and self-service policy management capabilities reduce the cost per policy issued compared to broker or agent-intermediated distribution for personal lines products. Broker portals that automate commission calculations, bordereau reconciliation, and documentation also reduce the back-office cost of managing the distribution network. Combining digital direct and digital broker channels gives insurers the flexibility to optimize their distribution mix based on profitability by segment.
Insurance is one of the most heavily regulated industries, with requirements covering capital adequacy (Solvency II), accounting standards (IFRS 17), conduct regulations, data protection, and anti-money laundering. Platforms that automate regulatory data capture and report generation reduce the compliance team's workload significantly and minimize the risk of errors in regulatory submissions. Digital audit trails and access logs also support regulatory examination readiness with minimal preparation effort.
Insurers offering life, health, and protection products requiring digital distribution, claims, and policy administration platforms.
General insurance companies covering motor, home, commercial, and liability lines needing end-to-end digital operations.
Insurers covering complex commercial risks, marine, aviation, and specialty lines requiring sophisticated underwriting tools.
Digital-native insurance companies building their technology stack from scratch or launching embedded insurance products.
Broking businesses and managing general agents needing quoting, placement, and portfolio management platforms.
Reinsurers managing treaty and facultative business needing bordereau processing and portfolio analytics platforms.
Aggregators and comparison platforms managing multi-insurer quoting, application routing, and policy management.
Member-owned insurers needing digital tools to serve members, manage claims, and meet regulatory obligations efficiently.
Ready to modernize your insurance operations from quote to claim?
Schedule a call