The Brief
After consulting with a number of large local insurance brokers, we identified a gap in the market for an app that would allow clients to easily inform an insurance provider of any vehicle accidents. To be useful to an insurance firm, any data submitted would need to include a damage report, the time, date and location of the accident, any witness and police statements, any photographic evidence, and where relevant, the details of any other drivers involved. To provide value to the general public, the app would need to provide a step by step guide for submitting their insurance claim, with as much information as possible being provided automatically. Ongoing feedback from both parties has lead us to further implement sections for storing insurance policy and vehicle details, the option to report thefts, and the ability to view important insurance documents and contact details within the app.
What We Did
The Crash Pack was built using AngularJS and the Ionic framework, with the API being adapted from a previous field service management app. This gave us a strong and optimised code base to build upon, with Ionic allowing deployment to both Android and iOS at near native speed. To allow insurance providers to manage their app clientele, a custom admin website was built in AngularJS. This provided the tools to add and remove users, update passwords and user information, and even to lock the user to a specific device. The app also features custom styling options, allowing insurers to customise the app to better match their brand.
For user convenience, the app handles all insurance claims in a step by step manner, ensuring that users know exactly what information is required at each stage of the claim. This focus on simplicity makes it easy for users to report an accident at the scene, providing more accurate data to the insurance company, and making the process quick and simple for the claimant. The app will attempt to pre-populate relevant fields using existing data within the app, and will utilise GPS tracking and the device clock to suggest an exact time and location for the accident. To further assist the insurer, any photographic evidence will be submitted with the time and location data intact, allowing them to quickly flag any obvious instances of fraud.
For claimants who lack the necessary mobile data or signal required to submit the claim, the app will automatically store any completed forms and will submit them when the app is next opened. To ensure that claims are not hampered by a lack of signal, the app contains sections to store relevant vehicle, insurance policy and contact details. This ensures that all details necessary to submit a claim or request further support are stored within the app.
Results
By providing a simple step-by-step process, the Crash Pack has made it easy for users to gather evidence and submit their claims at the scene. This has provided insurers with more complete and accurate data, producing stronger insurance claims and making it easier to identify fraud. This has also allowed for a reduction in the number of staff and phone calls necessary, saving insurers time and money.
The step-by-step process makes the claims procedure far less intimidating, allowing claimants to complete the process in under ten minutes. This saves the user time and a potential phone bill, whilst also collecting all the relevant information they need to ensure they are protected. The automatic time and location capture, as well as the pre-populated form data, offer users the peace of mind that they have neither missed, nor incorrectly entered, information that is vital to their claim.
How It Looks
The crash pack design is clean and intuitive, with a simple and easy-to-use interface. This provides the perfect foil for a straightforward and approachable claims system. View more by clicking the images below.
