2x
Increase in accuracy of insurance and claim generation.
Scandinavian Insurer Achieved 2x Claim Accuracy With IoT
Telematics based solution improved claim accuracy and slashed operational costs for a leading Scandinavian insurer.
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100%
Improvement in handling gigabytes of data per hour.
50%
Reduction in operational costs.
Client overview
A leading Scandinavian non-life insurer serves private and business customers in Denmark, Norway, and Sweden. It is the largest in Denmark and serves 5.3 million with coverages spanning home, car, travel, health, liability, and property.
With 7,000 employees and roots dating back nearly 300 years, the group holds top positions across Scandinavia. It combines prevention, rapid claims handling, and digital self-service to create peace of mind for households and businesses
Challenges
Legacy workflows, fragmented infrastructure, and limited real-time intelligence created barriers to accurate claims, scalable analytics, and policyholder trust.
Limited real-time claim visibility
Without real-time vehicle telemetry, claim verification relied on manual processes, slowing settlements and reducing accuracy.
Manual fleet analytics workflows
Legacy workflows lacked automation for fleet-wide usage analytics, making it difficult to distinguish usage patterns or optimize policy decisions.
Scalability and data privacy gaps
Existing systems lacked the secure, scalable cloud architecture needed to handle high-volume vehicle data while meeting privacy standards and experience expectations.
Solution
We built a cloud-native mobile ecosystem on Azure to stream real-time vehicle intelligence, automate fleet analytics, and strengthen the claims experience.
Real-time vehicle data streaming
Implemented real-time vehicle tracking using OBD-II data streaming to Azure, enabling continuous telemetry for claim verification.
Serverless data analytics
Built cloud-native serverless microservices to ingest, store, and analyze large-scale vehicle signals with consistent performance.
Usage-based policy intelligence
Enabled personal versus corporate usage tracking to support policy decisioning, fleet management, and usage-based optimization.
Secure, intuitive mobile experience
Prioritized data privacy, security controls, and user-friendly design to deliver a trusted mobile claims experience for policyholders.
Business impact
The solution gave insurers greater control, lowered costs, and transformed how claims were verified and resolved.
Higher accuracy in claims
Real-time vehicle telemetry accelerated claim settlements and delivered a 2x improvement in claims accuracy and verification.
Scalable IoT-driven analytics
Serverless architecture achieved 100% improvement in processing gigabytes of vehicle telemetry per hour, enabling scalable fleet-wide decision-making.
Reduced operational costs
Transparent usage insights and automated workflows reduced operational costs by 50% while delivering a secure, future-ready mobile ecosystem.
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