Digital Insurance Platform
Digital Insurance Platform
The INSHUR digital insurance platform is a cloud platform built using a best-of-breed open source technology stack, hosted in a Virtual Private Cloud on AWS. Fine grain product specific insurance services are delivered over secured communication links to INSHUR’s iOS and Android apps, while back-office staff access policy admin functionality over a secured web interface.
Powerful continuous integration and delivery facilities allows services, including rating, to be developed, tested, versioned and deployed independently making the whole system extensible, modular and fault tolerant.
Customer data is stored in a SQL database within a private sub-net configured to be inaccessible to the outside world. Payment processing is externalized avoiding the need to hold highly sensitive payment information within the system. Being built on established JEE standards, the server side architecture is modern, robust, scalable and secureClick here to change this text
The Inshur app is fully native, produced on both Android and iOS platforms. The choice of fully native allowed us to easily integrate the best barcode scanning technology available. A lot of attention was paid to the Mobile UX.
The quotation process has succinct stages that ensures screens are easily readable and navigable on smaller screen sizes. Navigation is also designed for single hand use, with main actions located at the bottom of the screen. This allows fluent usage while on the move, even with the ever increasing screen size trend.
On the iOS platform we use Apple’s Coredata to ensure customers will still be able to access their documents while offline. On the Android platform we use Realm to achieve the same result.
Carriers can integrate in 3 ways
If carriers have a real time rating engine then the INSHUR digital platform can call this as part of the quoting process and also to bind the policy once a quote has been accepted.
Carriers without full digital capability can host their products on the INSHUR digital platform. This will allow policies to be bound in real time. This rating capability can also be exposed to other 3rd parties A datafeed can be provided to upload all policy information into the carrier’s host system or a simple bordereaux can be produced.
The carriers rates can be replicated in the INSHUR rating engine to allow for real time quotes. Once the quote has been accepted the policies have to be bound using the current manual process.
The INSHUR digital insurance platform can easily integrate with any public or commercial data service.
For the current Commercial Auto product we integrate with the following services:
The INHSUR digital platform can be used for any product line not just motor.
Product lines where data services can be used to gather the majority or all of the rating factors are ideal candidates.
As well as product lines where a mobile first experience is expected by consumers.
e.g. Personal Auto, Home, Travel, Gadget etc.