Non-life insurers

A policy is a promise. The claim is the day it is kept.

How an insurer turns a bump on the Ring Road into a claim that explains itself, a claims desk that runs on clear signals, cover that sells and renews before Dashain, and a policyholder who stays for years.

Try the live demo · 15 or 30 minDownload the brochure (PDF)
No meeting needed. Shreeyansi, our AI presenter, guides you, and you can ask her anything.
Service
A phone call, a paper form, a photocopied police report, and no news for weeks.
With Voyager CXThe loss is reported in the app or WhatsApp, with photos, the place on a map and the other driver. Roadside help is one tap. Every step comes back by message.
Operations
Claims in a spreadsheet, surveyors booked by phone, and the monsoon backlog found when complaints arrive.
With Voyager CXA live claims board, warning signs for staff only, a fast-track suggestion for simple losses, each surveyor's workload, and an alert when a branch slips past its service level.
Revenue
Quotes only at the branch, premiums chased by phone, and renewals found after they lapse.
With Voyager CXA quote and a policy bought in the app or chat, paid by card or mobile wallet through your payment provider, one-tap renewal, and renewals at risk flagged before they end.
Relationship
The insurer is met twice: at the renewal notice and at a loss. A bad claim is a lost customer.
With Voyager CXOne thread with the surveyor, a survey after settlement, appeals and complaints with an owner, and a customer record every channel shares.
The story

Four acts: service, operations, revenue and relationship.

The brochure tells the whole story. Here is the short version. The live demo lets you walk it yourself.

Act I · Service

The worst hour of the year, made manageable.

Tuesday · 17:50 · Ring Road, KalankiA truck clips his scooter. He opens one app.Pemba is shaken, not hurt, and the headlight is gone. Under Policies, the app shows the emergency line and Roadside help.
Tuesday · 18:20 · On WhatsAppHe reports the loss once, with the evidence in hand.Pemba writes on WhatsApp. Each answer decides the next question: the other vehicle, the traffic police, the photos.
Wednesday · 09:10 · The phone lineHis aama asks in Nepali, and the line answers.Pemba's mother rings the claims number: "claim ko kura kaha pugyo?" The AI voice assistant answers in Nepali from the claim record and offers a callback from Kabita. It promises nothing about cover.
Act II · Operations

The day sorts itself, even in the monsoon.

Wednesday · 08:15 · Kathmandu claims deskKabita opens one board, and the day sorts itself.Every claim carries a badge: new message, appeal, offer sent, review, fast track. A Rs 18,000 mirror and headlight claim, nobody hurt, premium paid, is suggested for fast track.
Thursday · 10:40 · The same boardA large theft soon after the cover began is looked at twice.A Rs 14 lakh car theft is reported nine days after a policy was bought online. Voyager reads the insurer's own records and marks it Review, with reasons in words.
Friday · 07:45 · Bikash's desk, ButwalThe monsoon backlog is seen while it is still a queue.After three days of rain on the Prithvi Highway, claims pile up in Butwal. The backlog tab shows them by status, age and kind.
Act III · Revenue

Cover that sells and renews without chasing.

Saturday · 21:30 · FacebookA stranger asks the price, and gets a quote.Sita comments on the insurer's page about cover for her new car. The growth agent answers within the brand's rules and sends a tracked link.
Two weeks before Dashain · SMSThe renewal arrives before the festival, not after the lapse.A month and a week before Anil's motorbike policy ends, a reminder arrives with a pay link by text. No app, no sign-in.
Monday · 09:00 · Sunita's deskRenewals at risk are found before they end.Sunita sees renewals at risk, learned from the insurer's own history: a late claim, a missed reminder. A cover review before renewal suggests the next best action.
Act IV · Relationship

A claim handled well is the best advertisement.

Friday · 11:00 · In the appThe offer appears, and he can say no with a reason.Kabita asks for the garage estimate in the claim's own thread, and Pemba answers from his sofa. On Friday an offer appears: the estimate less his excess, Rs 42,500.
A week later · BhaktapurA rejected claim is heard again, by a senior.Priya's bumper claim is rejected for late notice. She appeals in the app.
Eight days after settlement · SMSA low score opens a case, not a report.After settlement a short survey arrives by SMS. Rajesh gives a 4 out of 10, and a case opens with an owner.
Innovation inside

The ideas that make it work.

Plain words for the manager, with a line for the IT team.

Shreeyansi, an AI colleague

Shreeyansi presents Voyager to your team, answers staff and policyholders, and explains any page in plain words. She also takes visitors through a live demo on autopilot.

For IT: she answers from your own data and knowledge first, then uses the model you choose. Read-only in demo mode, and personal details are hidden.
A report that asks only what matters

Each kind of loss has its own questions, and each answer switches the next ones on or off, so the file is complete the first time.

For IT: questions and branching are JSON in a pack. Answers are kept on the claim for the assessor, and none decides cover.
Warning signs, read from your own records

Seven signs, each with its reason in words, shown to staff only. A fast-track suggestion for simple, low-value losses. A person decides every claim.

For IT: rules in the domain, weights and limits in a pack. Photos matched by SHA-256, and no model is needed.
Roadside help sent by distance

The nearest active partner for the kind of help is sent, with an arrival time, and the customer follows it live.

For IT: partners and positions in the portal, kinds and speed in a pack. Distance only today, not live availability.
A price you can read line by line

Quote and buy in the app or the chat. The price shows the base, the factors and the fees, so no one has to ask why.

For IT: rating rules (base, share of sum insured, per-unit, factors, bands, minimum, fees, tax) are JSON per product, edited in the portal.
A payment that waits for the money

Pay in the app, by a text link with no sign-in, or by mobile money that stays pending until the money is seen.

For IT: a shared payment-provider interface, a demo and a mobile-money provider shipped, and an HMAC-signed callback. A card gateway is one more provider.
Privacy built into the card and the payout

Anyone can scan a card and see whether cover is in force. They see initials, never a name. Payout numbers are masked and opening one is written down.

For IT: payout account, mobile-money phone and help-request address sealed at rest. The public check returns initials, cover, dates and registration only.
Workflows on autopilot

Approvals, purchase orders, leave, shifts and changes to a policy follow your delegation of authority, so the right person decides, on time.

For IT: a workflow designer with an approval matrix, service levels and an audit trail. An on-site runner reaches systems behind your firewall.
One conversation, one memory

A claim, a complaint, a message, a call and a survey answer are one story per policyholder, shared by every channel and every branch.

For IT: a conversation timeline built from each module's records, and one memory gateway for all callers, with role-aware access.
Your language, your own AI

The app, the chat and the portal speak each person's language. Shreeyansi and the assistant can run on a model on your own servers. A paid cloud model is optional.

For IT: English is the source, other languages are packs with per-organisation overrides. An in-house model is an optional service. Without any model, answers come from patterns, search and your data.
For your IT team

The questions your IT manager will ask.

Our cloud or your own servers, single sign-on, data separated per organisation, a tamper-evident audit trail, and open APIs.

Do we have to change our policy system?No. Your system keeps policies and rates. Voyager receives policies from it in batches, and keeps the claim, the payment and the conversation. How online sales flow back is agreed in the pilot.
Who decides a claim?Your people. Warning signs and fast-track suggestions are advice for staff. The chat never decides, approves or pays a claim.
Where does policyholder data live?In our cloud, or on your own servers in your own country. Every organisation is separated in the database.
Who has access?Your people, through your own sign-in. They see only the pages and branches their role allows, and every action is audited.
Try now, procure later

See it with your own eyes, before anyone calls you.

Give your name, work e-mail and company, and you are inside the live demonstration in seconds.

15The 15-minute tourA loss reported, followed, offered and paid, and the claims board behind it. Made for a claims director between meetings.
30The 30-minute tourEvery act in this brochure, page by page: service, operations, revenue and relationship, plus the IT answers.
?Ask anything, any time"Does it work with our policy system?" "Who decides a claim?" "How does mobile money get confirmed?" Shreeyansi answers from the product itself.
Start the live demo
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