The Claims Management Debate

Claims organisations often face a paradox: they possess strong technical expertise but struggle with operational execution. This inefficiency is typically rooted in:

• Outdated Legacy Systems: Slowing down processes and innovation.
• Overly Complex Workflows: Creating friction and increasing costs.
• Lack of Clear Strategy: Hindering scalability and service consistency.

This gap has created an opening for agile insurtech start-ups. While these new entrants move quickly thanks to digital platforms, they often lack the deep commercial insight and robust expertise needed for a stable, scalable claims operation.

VINTTRO, while a smaller, highly focused enterprise, bridges this exact gap. We deliver the cutting-edge digital solutions and agility of an insurtech leader, but this is underpinned by decades of industry knowledge gained from successfully building, scaling and managing a large claims business that was ultimately subject to acquisition. This unique background means you benefit from proven, large-scale expertise and robust commercial strategy, delivered through a lean, modern platform built for maximum efficiency and personalised partnership.

Claims Insourcing Vs Outsourcing

For insurers, MGAs, brokers and self-insured entities, the insourcing versus outsourcing decision remains paramount.

• The Case for Outsourcing: For organisations prioritising rapid growth and strategic flexibility, outsourcing the claims function offers immediate benefits. This provides instant scalability without major capital investment, allowing you to handle fluctuating claim volumes efficiently. Furthermore, outsourcing grants immediate access to specialist expertise, advanced technology and integrated repair networks (like our 150+ approved bodyshops) that would be costly and time-consuming to build in-house, ensuring superior operational efficiency and stringent cost control from day one.
• Financial Insight: Outsourcing is typically a variable cost (you only pay per claim), while insourcing demands fixed costs regardless of claim volume.
• The Case for Insourcing: We have supported MGAs who insourced their claims function from day one. This provides greater control, brand alignment and confidence by embedding brand values directly into the customer claims experience.

We support both models, the right choice depends entirely on your specific strategic objectives and operational needs.

Key Questions

The term “claims handling” is broad. To clarify your strategic direction, consider these key questions:

• Are you planning to insource your entire claims handling requirements?
• Do you prefer to fully outsource the entire claims function?
• Are you looking to partially outsource only specific elements of your claims process?

Partial Outsourcing

If you are exploring a partial model, defining which workflows benefit most from external support is essential. Commonly outsourced components include:

• First Notification of Loss (FNOL)
• Repair Network Management
• Engineering / Loss Adjusting (Desktop or Field)
• Uninsured Loss Recovery (ULR) and Insurer Loss Recovery (ILR)
• Defendant Claims Handling

We can support you across all these areas and even recommend service providers that align closely with your underwriting approach and brand values.

Advanced Considerations

Beyond day-to-day handling, critical areas requiring strategic thought include:

• Delegated Authority (DA) arrangements and VAT implications.
• Management of high-value or catastrophic claims.
• Your litigation strategy.
• Your overarching global business strategy.

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Whether you need general advice, a focused consultation, or an in-depth review of your current claims handling strategy, we are ready to assist.

Please get in touch to discuss your strategic needs by calling the number above, or click on the Request a Call button above, fill in our short form and our team will be in touch.

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