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General insurance

Motor, home and commercial. Reasons on every claim.

Your volume lines already run on models: triage scores, reserve suggestions, fraud flags and renewal prices. HONESTAS keeps the part of the file that usually goes missing: who decided, on what evidence, under which wording and which authority. From first notice of loss to a sealed settlement.

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First notice to a sealed settlementDeclines with reasons a customer can readRenewals checked against price-walking rules
honestas · claims · claim paymentsSample data
Claim payments in HONESTAS: a payment on account already paid, the balance of a roof repair waiting for two people, and an estimate for loss of trade
Payments on a commercial claim. A payment on account already made, and the balance waiting for a second person to agree it.Sample data
Where it helps

Six decisions in every claims and pricing book.

Each one leaves the same kind of record. Open one to see what goes in, what comes out and who signs.

honestas · versions · what changed: a rate tableSample data
A private motor rate table change in HONESTAS showing the cells that move by 5% or more, waiting for approval
A rate table change, before approval. Nine of 28 cells move by 5% or more. The person who built the change cannot approve it.Sample data
First notice of loss and triage

The claim opens from the call, the app, the web form or an email. Cover is checked, and triage sends it to the right queue, or to a decision room with a named chair when the amount or the signals call for one.

Goes in
Calls, forms, emails, photos and the policy
Comes out
An open claim with cover checked, a route and a list of what is still needed
Signs
Claims handler
Reserves and payments on account

AI suggests a reserve with the papers behind it. A payment on account goes out with its own reason and its own record, so a part payment never reads like a final offer.

Goes in
The adjuster's report, estimates and claims history
Comes out
A reserve with its basis, and each payment with its reason
Signs
Claims handler within authority. A second person above your limit
Settlement, betterment and declines

The decision room argues for and against paying. A betterment deduction or a decline carries the clause that decides it, in words the customer can read.

Goes in
The claim file, the wording and the points in dispute
Comes out
A ruling with reasons, and a drafted decision letter
Signs
The chair, usually the claims lead
Subrogation and recoveries

When someone else is to blame, the recovery file is built from the same sealed record, with the evidence the other side will ask for and the payments made.

Goes in
The sealed decision, liability evidence and payments
Comes out
A recovery file and a drafted demand
Signs
Recoveries handler
Complaints

A complaint opens on the record it is about. The handler sees the decision, its reasons and what the customer was told, and the reply is checked before it leaves.

Goes in
The complaint, the sealed decision and the letters sent
Comes out
A reply with the facts it rests on, inside your response deadline
Signs
Complaints handler
Renewals and pricing

A rate table change shows every price it moves before anyone approves it. Each motor and home renewal price is checked against the ceiling the pricing rules set: an equivalent first-year renewal in Ireland, an equivalent new customer in the UK.

Goes in
The rating model, rate tables and the renewal book
Comes out
Approved tables, and a check on every renewal price
Signs
Pricing actuary, then a second approver
One claim, step by step

A storm, a cold store and a £1.24m claim.

A commercial property claim at Northgate Mutual, a fictional insurer. Six steps, from the first call to a sealed settlement the reinsurer can check. Scroll, and the screen follows the step.

  1. 01 · First notice

    Storm Ashling takes the roof off a cold store.

    Rita Okon at Harbourline Cold Store rings on 2 October. The claim opens from the call, cover is checked under the commercial property wording, and triage sends it to a decision room because of its size.

    Rita Okon reports it. The claims desk checks the summary.

  2. 02 · Payment on account

    Money moves before the claim is settled.

    The store needs to keep its stock cold. On 9 October Sara agrees a payment on account of £310,000. It carries its own reason, tells the customer it is not a final offer, and is sealed as its own record.

    Sara Lindqvist, claims lead, asks for it. A second person agrees it.

  3. 03 · Evidence

    Every paper, with its source and its age.

    The adjuster's report, fourteen photos, the customer's estimate and the claims history are gathered in the evidence tray. Each item shows where it came from and whether it is still fresh enough to rely on.

    Sara reads the tray before the room sits.

    honestas · decision evidence · the evidence traySample data
    The evidence tray for claim CLM-7741: nine items with their source, age and fingerprint, and three typed absences
    The evidence tray. Nine items, each with where it came from and how old it is against its limit. What is missing is typed, not left blank.Sample data
  4. 04 · Decision room

    Pay in full, or deduct for betterment?

    One AI seat argues for paying in full. One argues for a betterment deduction. The challenger raises the 2023 roof and its fitter, now in administration. Sara rules to pay in full and opens a recovery.

    Sara Lindqvist chairs. The second model agrees with her ruling.

  5. 05 · Authority

    Checked before she signs.

    HONESTAS works out what this act commits against her authority for Storm Ashling claims. Every check passes, so she can sign. Had it failed, the claim would have gone to the person named in the referral rule.

    Priya Raman recorded the power. She cannot use it herself.

    honestas · decision evidence · allowed to decide it?Sample data
    The authority check for claim CLM-7741, showing exposure before the act, this act and the £5,000,000 limit, with nine checks passed
    Is she allowed to decide it? Sara may commit £930,000 more on Storm Ashling claims and stay inside her £5,000,000 limit. Nine checks, in order, before anyone signs.Sample data
  6. 06 · Sealed

    Signed, sealed and sent to the reinsurer.

    Sara signs with her passkey. Both decisions travel as one Decision Passport, sent to the reinsurer with a link that expires. Anyone with the link can check it, with no account.

    Kelling Reed, the reinsurer on the layer, checks it from their side.

    honestas · decision evidence · passportSample data
    A Decision Passport for claim CLM-7741 carrying the payment on account and the settlement as one sealed file
    Two decisions, one Passport. The payment on account and the settlement, with the evidence they rest on and what the Passport does not say.Sample data
honestas · decision evidence · the evidence traySample data
The evidence tray for claim CLM-7741: nine items with their source, age and fingerprint, and three typed absences
The evidence tray. Nine items, each with where it came from and how old it is against its limit. What is missing is typed, not left blank.Sample data
honestas · decision evidence · allowed to decide it?Sample data
The authority check for claim CLM-7741, showing exposure before the act, this act and the £5,000,000 limit, with nine checks passed
Is she allowed to decide it? Sara may commit £930,000 more on Storm Ashling claims and stay inside her £5,000,000 limit. Nine checks, in order, before anyone signs.Sample data
honestas · decision evidence · passportSample data
A Decision Passport for claim CLM-7741 carrying the payment on account and the settlement as one sealed file
Two decisions, one Passport. The payment on account and the settlement, with the evidence they rest on and what the Passport does not say.Sample data
The rules you answer to

Mapped to the rules for motor, home and commercial.

Each sealed record is linked to the articles it helps answer, so the evidence is ready before a supervisor asks.

  • Solvency IIDirective 2009/138/EC, as amended by (EU) 2025/2Governance, risk management and reserves you can explain. The reviewed rules apply from 30 January 2027.
  • Insurance DistributionDirective (EU) 2016/97 (IDD), Art 17 and 25Act honestly, fairly and in the customer's best interests, with product oversight for every product you sell.
  • DORARegulation (EU) 2022/2554ICT risk, incident reporting and the register of ICT suppliers, applying since 17 January 2025.
  • GDPRRegulation (EU) 2016/679, Art 22A claimant may ask for a person to review a decision made only by automated means. In HONESTAS a named person signs every one.
  • Consumer Protection CodeCentral Bank of Ireland, S.I. 80/2025 and 81/2025Clear information and fair treatment for customers in Ireland, applying from 24 March 2026.
  • Price walking, IrelandInsurance Requirements Regulations 2022No motor or home renewal priced above the equivalent first renewal price, and a yearly review of pricing. Since 1 July 2022.
  • Pricing practices, UKFCA ICOBS 6B (PS21/5)A home or motor renewal price no higher than the equivalent new business price. Since 1 January 2022.
  • Consumer Duty and claims, UKFCA PRIN 2A and ICOBS 8.1.1RGood outcomes and fair value for retail customers since 31 July 2023, and claims handled promptly and fairly.

Not legal advice. Certification and legal opinions stay between you and your advisers.

Go deeper

Go deeper

OutcomeFaster claims

Claims wait least where it is clear who may decide them.

PlatformFraud signals with reasons

The model points. An investigator decides.

SolutionsClaims administrators

The same record, kept for each client insurer.

Book a demo

See it on your own claims.

Bring one claim type, such as motor glass, escape of water or a commercial storm loss. We will run it from first notice to a sealed settlement.

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