Claims
Claims that keep themselves moving.
Every claim shows what to do next, who has the move and when it's due. coverbound keeps the clock, drafts the emails and tells you when an insurer is late.
Water damage · Brightco
Lodged 2 Sep · whose move: insurer
The clock is kept for you
- Code timeframes tracked in business days, skipping weekends and public holidays
- Each clock shows the rule it comes from: the General Insurance Code of Practice, the Brokers Code or FCA rules
- A missed insurer deadline turns into a chase task
Chase Harbour Mutual
Drafted from the claim
Hi Priya,
Brightco’s claim was lodged 11 business days ago. Under the Code we’d expect a response within 10. Could you let us know where it’s up to?
The emails are drafted
- Drafts for lodgement, chasers, client updates and decline challenges, written from the claim's own records
- Chasers quote the timeframe the insurer has missed
- Nothing is sent until you click Send
Your broker · Report a claim
Brightco Pty Ltd
What happened?
A pipe burst in the kitchen overnight
When?
Last night, about 2am
Photos
New claim in your queue
Likely: property section
Clients report it from site
- A standing claim link for every client. No login.
- What happened, when, where, anyone hurt and a rough cost
- Photos straight from their phone, virus-scanned on arrival
- The claim lands in your queue with the likely policy suggested
Insurer scorecard
Your claims, last 2 years · medians
Numbers to bring to a renewal conversation
Know which insurers pay
- How long each insurer takes to acknowledge, decide and pay
- How often they decline or miss a timeframe
- Built from your own claims over one to five years
- Numbers to bring to a renewal conversation
Also in Claims
The rest of the claim.
Whose move it is
Notified, lodged, assessing, decision, settling, closed. Every claim says what happens next and who owes it.
Coverage check
Reads the policy against the claim for period, limit, excess, extensions and exclusions. Guidance, not a decision.
Settlement instructions
An offer can't be accepted until the client's written instructions are recorded.
Lodgement pack
A claim notification document created from the claim, ready to send to the insurer.
Complaint timeframes
A final response clock of 30 days in Australia before AFCA. Eight weeks in the UK before the Financial Ombudsman.
Everyone on the claim
Claims handlers, loss adjusters, assessors, experts, solicitors and third parties on one record.
Emails on the claim
Insurer emails are read for claim numbers, reserves, decisions and offers, each suggested as a one-click update.
Ask the client for more
Send a link asking for exactly what you need. Their files land on the claim.
Before you ask
Questions about claims.
- Which timeframes does it follow?
- The General Insurance Code of Practice and the Insurance Brokers Code in Australia. FCA rules and Consumer Duty in the UK.
- Does it count public holidays?
- Yes. Clocks run in business days and skip weekends and national public holidays.
- Does the AI send emails to insurers?
- No. It drafts. You read, edit and send.
- How do clients report a claim?
- Through a standing link you share once. They can send photos and documents from their phone.
See it with your own insurer forms.
Book a demo and bring a proposal form. We'll turn it into a questionnaire while you watch.
Book a demo