Automation follows rules. iWarranty's agentic AI reasons — adjudicating claims, detecting fraud patterns, enforcing compliance, and closing leakage in real time. Without a human in the loop.
Scores every incoming claim in real time against historical fraud patterns, supplier behaviour, and geographic anomalies. Flags high-risk claims before payment is authorised.
Identifies leakage clusters across claim groups, contractor networks, and repair geographies. Surfaces recoverable spend and initiates recovery workflows automatically.
Identifies third party liability on eligible claims, builds the evidence package, and initiates subrogation recovery without manual case preparation.
Insurers lose an estimated 10–15% of claims spend to leakage annually. Most of it isn't outright fraud. It's silent — wrong payouts, missed entitlement checks, and manual errors at scale.
Rule-based systems were built to process claims, not evaluate them. When a claim sits outside a pre-set rule, it goes to a human — expensive, inconsistent, and already overwhelmed. The answer isn't more rules. It's a system that can reason.
Legacy systems flag obvious anomalies. They miss the sophisticated patterns hiding in normal-looking submissions — linked claimants, inflated labour, coordinated timing.
→ iWarranty detects behavioural fraud signals across claim clusters, not individual submissions.
Complex claims require trained reviewers. That means inconsistent decisions, slow resolution, and a cost-per-claim that grows with every new policy sold.
→ Agentic adjudication handles complex entitlement logic autonomously — escalating only genuine exceptions.
FCA expects a full, auditable decision record. When adjudication happens in someone's inbox, that record doesn't exist. Regulatory scrutiny is only increasing.
→ Every decision is logged with its full reasoning chain. Built for FCA-regulated environments from day one.
Claims take days. Customers chase updates. Frontline teams absorb complaints. In a market where switching is frictionless, claims handling is a retention lever — and most insurers are pulling it the wrong way.
→ Straight-through processing on eligible claims. Real-time status. Resolution in hours, not days.
A claims intelligence layer that integrates with your existing infrastructure. No rip-and-replace. Live in weeks.
Claims enter via API, portal, or direct integration. The AI immediately triages by risk level, entitlement status, and fraud probability — routing each to the right outcome without human intervention.
Unlike rule engines, iWarranty's AI reasons against policy documents, product data, and claim history simultaneously. It handles the ambiguous cases that currently fill your human review queue.
Continuous pattern analysis across your full claims corpus. Cluster-level anomaly detection surfaces fraud rings and systematic leakage that individual-claim review will always miss.
Every adjudication decision is logged with its reasoning chain. Board-ready dashboards. Your compliance team gets the evidence trail regulators require — automatically.
Approved claims trigger automated resolution workflows. Customers receive real-time status updates. Your team focuses on exceptions — not the queue.
Most platforms automate what was already manual. iWarranty makes decisions that previously required expertise.
iWarranty was founded by lawyers and built under regulatory scrutiny. FCA Green Fintech Challenge participant. Backed by Barclays, Innovate UK, and Google.
Warranty claims managed end-to-end through iWarranty's agentic platform.
Claims intelligence deployed across the full product warranty lifecycle.
Automated adjudication and compliance reporting in a high-SKU environment.
30 minutes. We'll show you iWarranty running on a real claims dataset — adjudicating, flagging, reporting. No slides.
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