Xcope agentWeekend triage
Notifications read, matched to the policy and routed to the right workflow, with suspicious claims kept apart.
Put AI to workin insurance.
Every claim notification read and routed on the day it arrives, with suspicious claims set aside before assessment.
The challenge
What holds up a claim is nearly always a document.
The notification comes in through the portal, from a broker or as a scanned joint accident report, the policy sits in the core insurance platform and the assessor's report arrives by email or through the assessment firm's platform. Someone pulls it all together in the claims software before the claim can move, and in motor insurance the regulatory deadlines for handling it start from the day it is notified.
- 01
Notifications from every channel
Each channel brings its own format and triage is done by hand. Simple claims wait in the same queue as complicated ones.
- 02
Fraud signs in different places
The same garage across several claims, or a policy taken out days before the accident. The signs sit in separate systems and only appear together when someone goes looking for them.
- 03
Deadlines that pass unnoticed
In motor insurance, the response to a claimant runs against a regulatory deadline. A claim stuck waiting for a garage estimate can miss it without anyone realising.
Day to day
Questions that finally get answers
Which assessments are close to their regulatory deadline?
Which garages appear in the most claims with fraud indicators?
How much is reserved against open motor claims?
Which brokers had the most cancellations for non-payment this quarter?
Which water damage claims have waited more than 10 days for an estimate?
AI at work
Triage is done before the team gets in.
AI reads claim notifications, assessors' reports and garage estimates and checks them against the policy in the core insurance platform and the claims history. Each handler gets their claims sorted, with anything missing and any fraud indicators flagged.
Fleets up for renewal
Each policy's loss ratio set against its renewal date, so the underwriter can review the premium before the renewal notice goes out.
Stalled claims
Every stalled claim shown with the missing document and who should send it, so the request goes out the same day.
Garage estimates
Estimates compared with the assessor's report and the policy cover before the repair is authorised.
Illustrative figures.
The data you already have, put to work
We connect to the systems you already have, without replacing them, and you decide which data each agent can read.
Works with what you already use
ERP, CRM, email and documents stay where they are, and nobody has to move to a new system.
Reads and cross‑checks your data
Brings together what is scattered today and finds what does not add up.
Proposes, you approve
Every sensitive action goes to whoever has the authority to approve it.
Acts and keeps a record
Works inside your team's systems and records where every decision came from.
Motor first, then the other lines.
We start with motor, which has the most volume and the most stable rules, with the agent connected to the core insurance platform and the claims software. Property and workers' compensation follow, each line with its own triage rules.
- 01
Assessment
We map the operation and the data and choose what reaches production first.
- Data sources mapped
- Opportunities assessed
- Scope and plan agreed
- 02
First system in production
We build in the tools you already use and put the system to work on real cases.
- Core platform and claims software connected
- Motor triage agent in production
- 03
A team that runs it
Your team takes the system over and we choose the next process together.
- Claims handlers working with the agent
- Next process chosen
How does it connect to our claims management software?
If the software has an API, the agent reads claims and records the routing through it. If it does not, we connect to the database with a read‑only user or use scheduled exports, and actions reach the team as tasks in the queue they already work from. During the diagnosis we confirm which route is available in your case.
What about health data in workers' compensation claims?
Medical reports and examination records are health data, a special category of personal data under GDPR (Article 9). They stay on your infrastructure, only authorised roles can see them and every access is logged. The agent can work with just the fields it needs, such as dates and degree of incapacity, without opening the rest of the report.
Can the agent decline a claim?
No. It gathers the fraud indicators with the source of each one, such as the repeated garage or the policy start date, and passes the claim to the investigations team. The decision on the claim stays with whoever holds that authority at your company.
Our assessors' reports arrive as PDFs. Will that work?
Yes. The agent reads assessors' reports, garage estimates and scanned joint accident reports and extracts the figures that matter, with the source page linked to each one. For fraud indicators, it helps to have the history of claims already investigated, with the outcome of each.
Start with the claims that have waited longest.
In 30 minutes we look at how claims move through your team and tell you where we would start.
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