Enterprise claims, without the complexity.
A no-code claims platform for insurers and underwriting agencies. Lodgement, triage, reserving, payments, settlement and recovery on one platform, with leakage watched in real time and GICOP timeframes tracked as you go.
Stage 3 of 5: reserving and payments
AI triage, the moment it arrived
- Priority
- High
- SLA
- Set at lodgement
- Routed to
- Motor assessing
- Supplier report
- In, with location and timestamp
Leakage watch
- Payment above authority limitFlagged before it goes out
- Reserve reviewPrompted at this stage
- Payments by categoryRepairs, towing, hire car
Coming up
- Recovery opportunityThird party involved: capture the evidence now
- Limitation dateTracked automatically
- Customer updateDue 27 Oct, under GICOP
Lodgement to recovery. Five stages, one platform.
Every step of the claim lifecycle in one place, from lodgement to decision to recovery. Where a stage stops leakage, it’s marked.
Claims lodgement
Lodge right the first time
Smart forms capture everything up front: data, documents, photos and recovery triggers.
- Claims reach triage faster when each one arrives with the information you need.
- Straightforward claims settle automatically, so your team can focus on the complex ones.
- Leakage stopped early, with real-time reporting and faster decisions.
Triage and assessment
Make faster decisions
Urgent claims routed straight away, and decisions that are consistent and defensible, before small issues turn into big losses.
- AI assigns priority, SLA and team routing the moment a claim arrives.
- Coverage applied the same way every time, with guided checklists and exclusions.
- Supplier reports feed straight into the claim, with location and timestamps.
Reserving and payments
Keep payments under control
Fewer surprises: reserves kept accurate, and payments kept compliant.
- Payments above authority limits flagged, and reserve reviews prompted at the right stages.
- Payments tracked by category, to spot leakage and keep reserves accurate.
- GST calculated and reported automatically on payments and recoveries.
Resolution and settlement
Close claims with confidence
Every claim resolved on time, fairly and in line with your obligations.
- Workflows prompt the next action, flag delays and keep everyone aligned.
- Supplier performance tracked at claim level, to meet CPS 230 requirements.
- Customers kept up to date with automated deadlines and milestone prompts, so fewer of them call in.
Recovery
Improve recovery rates
Act earlier, recover more, and protect your loss ratio.
- Built-in rules flag recovery opportunities and prompt you to capture evidence early.
- Early evidence means faster action, better recovery rates and less leakage.
- Limitation dates tracked automatically, so none slips through.
Leakage, reserves and bottlenecks, in view as they happen.
A clear view for managers, even when volumes spike. Dashboards show open claims, upcoming and overdue tasks, SLA risks, bottlenecks, recovery opportunities and loss ratios.
| Claim | Stage | Flagged | Why it matters | Next |
|---|---|---|---|---|
| CA-30418 | Reserving and payments | Payment above authority limit | Leakage | Approve or adjust |
| CA-30407 | Triage and assessment | SLA at risk | Bottleneck | Reassign |
| CA-30402 | Recovery | Recovery opportunity | Loss ratio | Capture the evidence |
| CA-30391 | Resolution and settlement | Supplier report late | Supplier performance, for CPS 230 | Follow up the supplier |
| CA-30385 | Resolution and settlement | Customer update due tomorrow | GICOP timeframe | Handler prompted |
When a storm hits
In a surge, such as storms or CAT losses, work is spread across the team in real time and in bulk, so nothing is missed.
When someone’s away
Claims are reassigned straight away, with their full history and documents intact.
“Curium changed how we handle claim intake and complaints. We used to go back and forth chasing missing info – now we have everything from the start.”
30%
Faster claims intake: smart digital forms capture data, documents and photos up front, so claims are complete from day one.
10+ hours
Saved on ASIC and CGC reporting: one-click reports pull the data you need, with no chasing across systems.
1 form
A digital form in place of a 6-page claims form. Simpler for customers to lodge, faster for your team to process.
Start with the form. Or take the whole platform.
The lodgement tool is also sold on its own, for teams that want to keep their current claims system. Enthusiast Motor Insurance started this way, alongside the system it already had.
Better claims in, from day one.
- Runs on its own, or integrates with your claims or policy system, such as Wilbur or Duck Creek.
- Customers lodge from any device, on fully branded forms.
- Structured, accurate data from day one.
- Accurate lodgement means less leakage, fewer delays and less admin.
The whole claim, lodgement to recovery.
- Manages the entire claims lifecycle, end to end.
- Replaces your existing claims system, or sits alongside it.
- Integrates with policy admin, finance and supplier systems.
- Links claims activity to your wider obligations in the Curium Compliance Platform.
Change a workflow the day you need to.
Enterprise capability without the complexity. Your team updates workflows and rules as the business changes, without waiting on IT.
Easy platform changes
Update workflows and rules yourself, straight away, as your business changes.
One shared workspace
Claims teams, suppliers and underwriters, with full visibility and on the same page.
See the full picture
Leakage, reserves and bottlenecks for managers, in real time, even when volumes spike.
Used across products such as
- Motor
- Property
- Liability
- Business
- Pet
- Travel
Getting started
First
We learn your process
We review your products, policies and claims bottlenecks.
Then
We set it up
Curium, configured to match how your business works.
After that
Your team starts
Quick training to get going, and ongoing support whenever you need it.
Most agency staff and insurer claims teams are confident on the platform within a day.
What claims leaders ask us first.
Straight answers. If yours isn’t here, bring it to the demo.
What kinds of claims can Curium claims software for insurers and agencies handle?
How can Curium claims platform help me and my team?
Will Curium replace my existing claims or policy system?
Curium’s Claims Platform is a complete, standalone solution that manages the entire claims lifecycle end-to-end. It can replace your existing claims system or sit alongside it, integrating with policy admin, finance, and supplier systems. This gives insurers and agencies flexibility to adopt Curium in the way that best fits their operations.
Can I see what’s happening across all claims in real time?
How does Curium support compliance and regulatory reporting?
What happens if staff are away or we hit a surge event?
How much training does my team need to use the Curium platform?
Book a demo to learn how easy it is to use Curium’s platform.
How secure is Curium claims software?
Curium is also certified to the global ISO/IEC 27001:2022 standard for its information security management system.
How does pricing work?
Curium pricing is modular and scalable.
- Pricing is based on the products you use and the size/nature of your business, which will impact technical and operational support required – but it is not priced on a 'per seat' basis so you are not penalised as you grow
- Modularity means you can start small and add functionality as you grow
- There are no hidden costs for third-party feeds or configuration consultants
Pricing is tailored to your organisation, so you only pay for what you actually need.
To find out more, book a demo.
Claims, compliance and the inbox.
Bring a claim from your own book.
One that settled late, leaked, or arrived missing half its documents. We’ll assess how you handle it today, then build your demo around it.