Insurance, Motor Claims, Underwriting
End to end in under five minutes
PT Zurich Asuransi Indonesia set out to remove surveyor cost from pre-inspection. What it ended up building was a single visual engine running both sides of the business — underwriting at the point of quote, and claims at the point of loss.
Aug 11, 2020
2 min read
One asset, two decisions, two separate cost problems
PT Zurich Asuransi Indonesia TBK, a private-sector insurance company in Indonesia, wanted to automate its pre-inspection process and reduce the costs tied to surveyor inspections. The constraint was the industry norm: every automobile must be inspected before a new policy is issued. Remove the surveyor and the inspection still has to happen.The objective extended past cost.
Increase customer retention. Bridge the gap between insurer and customer through a contactless process. Ensure business continuity. Cost reduction was the entry requirement, not the goal.The solution: TriNetra™ across underwriting and claims
CamCom delivered complete AI-powered vehicular damage assessment for both underwriting and claims management. TriNetra™ is the critical component of ZSurvey, deployed as a white-labelled web app for vehicle image capture.At underwriting
- Encrypted, user-specific links: When a vehicle needs insurance, the CamCom system generates an encrypted link tied to that end user.
- Capture by whoever is closest: The link goes to the end customer, the agent or the broker for the visual survey of the vehicle.
- Automated damage report: CamCom’s AI returns a damage report across the vehicle’s various external panels.
- Rules-based decisioning: The CamCom STP rule engine auto-approves, auto-rejects, or refers the insurance proposal to the underwriting team.
At claim
- Any originator: A claim can be raised by the end user, the loss adjuster or the workshop — image capture runs through TriNetra™ in every case.
- Part-level assessment: The AI engine breaks down exterior parts, determines the severity of damage, and makes a repair-or-replace decision for each part.
- Straight into costing: The output feeds Zurich’s internal systems, which automatically perform the cost assessment so the claim can be settled instantly.
The results
- Under 5 minutes, end to end. Complete assessment from capture to decision — a vital feature of the project.
- 93% accuracy on damage assessment in the Indonesian market.
- Business continuity secured by removing human intervention from the assessment step.
- A permanent visual audit trail of every vehicle assessed, with a dated record of condition.
- Group-level endorsement: Key stakeholders at Zurich introduced CamCom to their group companies in Malaysia and Australia — the clearest available measure of whether a deployment has actually worked.
