Claims costs
Repair costs are structurally out of control — parts inflation and rising labour rates — and most insurers lack real-time visibility into the cost drivers.
For insurers
Motor claims management that earns its place in the P&L
Axxion manages the complete motor claims lifecycle — from initial notification through repair coordination, quality control, and settlement — delivering lower repair costs, faster cycle times, and audit-ready operations.
The problem
What UAE motor insurers face today
Reserving accuracy
Reserving accuracy is weak, leading to P&L volatility and quarter-end surprises, because incomplete initial estimates rarely update as claims develop.
Leakage
Leakage is real but invisible. Without granular repair-line data, insurers cannot quantify its scale.
Data quality
Claims data is unreliable for decision-making, with different departments holding conflicting figures.
Customer experience
NPS is dragged down by the claims experience, not by the insurance product itself.
Expense ratio
Claims administration cost per claim is too high, driven by manual processes and rework.
Claims is not a cost centre to be minimised — it is a strategic capability to be built.Yahya Alkhater — CDO, GIG Saudi
The solution
Six outcomes, governed end-to-end
Lower repair costs
Repair pricing verified against independent benchmarks before authorization, with parts sourced through governed channels.
Fraud & leakage control
A digital audit trail from notification through vehicle return, with no financial relationship between claims handlers and workshops.
Faster cycle times
Built-in SLAs with smart triage routing simple claims to fast-track resolution.
Transparency & auditability
Full evidence trail from notification to final invoice with before-and-after images and documented decision reasons.
Structured claims data
Granular, standardized repair data usable for underwriting, actuarial analysis, and pricing decisions.
Better policyholder experience
Real-time status updates with transparent workshop selection based on capability and quality.
Service lines
Two services, one governed operation
Claims Management
Full lifecycle from intake through validation, fraud screening, and closure — including customer service, document management, reserving, and reconciliation.
Repair Management
End-to-end motor repair management including workshop selection, cost benchmarking, parts governance, and quality control.
Inter-insurer claims settlement: validated settlement claim data is prepared automatically upon repair completion, reducing disputes and compressing settlement cycles.
Quality & cost control
Four-gate quality control
1
Eligibility & Fraud
Verifies payability before vehicle movement or repairer engagement, catching coverage gaps and fraud indicators.
2
Triage Protocol
Routes vehicles to appropriate workshops based on damage type rather than proximity.
3
Intervention
Audits and challenges estimates before authorization to prevent labour inflation and supplement abuse.
4
Spare parts Supply
Governs parts sourcing to eliminate markup padding and pricing leakage.
Compliance is built into the operation, not bolted on — workflows are designed so compliance becomes a by-product of claims processing. See the full governance model →
Proof, not promises
Seeing is believing
Axxion offers 12-week pilot programs running alongside existing operations, with measurements against historic paid baselines. Pilot deliverables include cost breakdowns by repair category, variance analysis, exception logs, cycle time comparisons, and audit trail samples.
At the end, the insurer has a side-by-side comparison, not a pitch deck.