Claims reporting with an AI agent: motor, building, contents, liability, accident, electronics and other

Try the template via “Live Demo”: report a made-up claim and see at the end how it arrives at the claims team. Enter your email address to also receive the confirmation.

Customers report their claim either through a guided flow, choosing line and claim type by click, or directly in their own words. The AI agent recognises which line of business and claim type the case belongs to, leads the conversation and asks for all details this claim type requires. It checks date, location and amounts for plausibility, summarises the claim and has the customer confirm it. Customers can then upload a photo and enter their contact details. The claims team receives a complete claim that it can usually process without follow-up questions.

Highlights

• Guided flow or own words: Choose line and claim type by click or simply describe what happened. The AI keeps everything already said and does not ask twice.
• Complete and plausible: The agent knows the mandatory details for every claim type, checks for contradictions and converts phrases like “last night” into a date.
• Review notes for the claims team: For example the likely motor cover, recourse, urgency, weather check or deadlines. The agent does not share them with the customer, they only go to the claims team.
• Safety and duties covered: In case of acute danger such as a gas smell or running water, the immediate safety advice comes first. Duties are given as tips at the right moment.
• Clear limits, seven languages: No cover commitments and no statements on fault, health data only after consent. The conversation runs in 7 languages, the fields for the claims team always arrive in German.

Which claims does the agent handle?

Line	Claim types	What the agent also captures
🚗 Motor	Accident with or without another party, wildlife collision, glass damage, storm and hail, marten bite, theft	License plate, driver, third-party damage, roadworthiness, police report number, other party’s details. Claims from injured third parties are recognised as a separate case.
🏠 Building	Water from pipes, storm and hail, fire and power surge, heavy rain and flooding, glass breakage	Affected parts of the building, habitability, cause, emergency repair, fire brigade
🛋️ Contents	Water from pipes, burglary and theft, storm and hail, fire and power surge, bicycle and e-bike	Items with purchase price, age and receipt, signs of break-in, locking status, valuables
🤝 Liability	Damage to someone else’s property, person injured, lost key, rented property damaged	Injured party and relationship to the customer, who caused it (including child or dog), value, promises made to third parties. Injured parties can report as well.
🩹 Accident	Fracture, ligaments and joints, head injury, bruising and other	Consent for health data, initial treatment, hospital stay, incapacity for work
📱 Phone and electronics	Display and breakage, liquid, technical defect, theft, loss	Brand and model, IMEI or serial number, purchase date and price, whether the device still works

Customers who are unsure choose “Other / not sure” and describe what happened. The agent then assigns line and claim type itself, even if several lines are affected, such as water damage to both building and furniture.

Use Cases (examples)

• Claims reporting 24/7 without hotline waiting times
• Relieving the claims hotline during storms and natural hazard events
• Structured intake of claims from injured third parties
• Claims reporting in the customer’s language
• Complete claims as a clean data basis for further processing

What’s included in the template?

• Guided entry with 6 lines, 30 claim types and “Other / not sure”
• AI agent with its own instruction per line, each can be deleted individually
• Consent request for health data in the accident line
• Optional photo upload after the conversation (up to 2 MB), the photo is sent to the claims team with the claim file
• Contact details with age check and a review form in which customers can correct claim and contact details
• Email claim file for the claims team with review notes, photo and chat history
• Confirmation email for the customer with claim number and summary
• Prepared API handover to your claims system (disabled by default)

Get started in under 15 minutes

1. Install the template
2. Adapt the branding: Enter insurer name, hotlines, privacy link and brand colour. Notes on the modules show where.
3. Choose your lines: Remove lines you don’t need, both the instruction and the button.
4. Set up the handover: Enter the claims team’s email address, optionally activate the interface to your claims system.
5. Test and publish: Run one case per line, remove the demo view and the test notice, then publish.

More examples for insurers can be found on our Insurance page.