Motor
Third-party, third-party fire & theft, comprehensive and fleet. NIID certificates, inspections, assessors, garages and salvage.
From the makers of Claimify Health
The core platform for general insurance.
One system for an insurance company to run every class it writes: motor, marine, fire, travel, liability, engineering and specialty. Your underwriters configure the products, your agents, brokers and banks sell them, your policyholders manage their own cover, and assessors and garages work their claims in the same place.
- Every class of business your company writes, on one platform
- Products launched by your underwriters, not developers
- Policyholders, partners and garages each get their own access
- Powered by HIVA, the Hayok Intelligent Virtual Assistant
QuotePrivate Motor Comprehensive
Active · v3
- Vehicle
- Toyota Camry 2013 · Ride-hailing
- Sum insured
- ₦12,000,000
- Base premium (5%)
- ₦600,000
- Flood extension
- ₦60,000
- Vehicle over 10 years
- + ₦99,000
- Ride-hailing loading
- + ₦165,000
Premium₦924,000
Agent commission ₦92,400
NIID upload on issue
Classes of business
Tick the classes you write. Each one comes ready.
Every class is a module that already knows its insured item, its covers, its claims steps and its integrations. Switch a class on for an entity and its products, menus and dashboards appear.
Marine cargo
Single shipments and certificates under open covers, issued by agents, brokers and banks. Form M, ICC A/B/C, uplift.
Fire & special perils
Buildings, plant, stock and contents with surveys, loss adjusters and the average rule at settlement.
Householder
Homes, contents and all-risks items for individuals, sold online or by agents.
Goods in transit
Annual carry with a limit per carry, for distributors and logistics companies.
Travel
Schengen, worldwide and Africa plans priced from tables by trip length and age.
Personal accident
Individual and group covers for death, disability and medical expenses.
Liability
Public, products, occupiers' and professional indemnity, including compulsory covers.
Engineering
Contractors' and erection all risks, machinery breakdown, buildings under construction.
Specialty
Oil & gas, aviation, marine hull and bonds: agreed premiums, co-insurance shares and reinsurance placement.
Coming Group life · Credit life · Individual life & funeral · Microinsurance bundles · Health runs on Claimify Health.
How it works
Three layers. Flexible where it should be.
Fully configurable systems turn into software projects; hard-coded ones make every new product a change request. Claimify Core does both: what differs between classes is built in, and what differs between products is yours to set.
1
Shared core
Customers, intermediaries, policy lifecycle, premiums and receipts, commissions, claims ledger, co-insurance and reinsurance, documents, approvals, audit trail and accounting, the same for every class.
2
Class modules
One per class of business: the insured item (vehicle, cargo, location, project), covers, claims workflow and integrations such as NIID. Built and tested by us.
3
Your products
Set up by your underwriters: covers, rates and rate tables, extensions, loadings and discounts, extra questions, referral limits, commission per channel and wordings. Versioned, so every policy traces back to its exact terms.
Onboard entitiesTick classesConfigure productsAppoint partnersQuote · Issue · Collect · Claim
For the insured
Policyholders manage their own plans and claims.
Every customer of the insurer, a person or a company, gets their own account. They see every policy they hold across classes and stop calling the branch for a certificate or a claim update.
- All their policies in one place: car, home, travel, cargo, staff cover.
- Pay premiums, renew in a few taps, download schedules and certificates.
- Report a claim with photos and follow it step by step, through the assessor and the garage.
- Corporate clients add and remove vehicles, locations and staff on their schedules. Each change is an endorsement with its own premium.
My insurance
Welcome back
3 active policies-
Motor comprehensiveToyota Camry 2013 · renews 18 NovRenew
-
Home & contentsBuilding, contents, all-risks itemsActive
-
Travel · Schengen14 days · certificate readyDownload
Claim CLM/MTR/26/0042Step 5 of 6
With the garage: repairs done, ready for collection
Pay premiumReport a claimDocumentsAsk HIVA
Claims network
The garage works the claim on the same platform.
A claim involves more people than the insurer. Assessors, loss adjusters, surveyors, mechanics and recovery agents each sign in to their own portal, see only the jobs given to them, and send reports, estimates and invoices straight into the claim file. No e-mail chains, no lost photos. Available now: motor, fire and travel
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1Policyholder
The policyholder reports the accident
From their own portal, through their agent or by calling in. Photos, the police report and the driver's details go straight into the claim.
-
2Insurer claims team
The insurer registers it and sets a reserve
The claims officer sees the policy, the cover, the excess and whether the premium was paid, opens a reserve and appoints an assessor.
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3Motor assessor
The assessor inspects the vehicle
The job appears on the assessor's portal. They inspect the car and upload their report and photos to the claim.
-
4Garage / mechanic
The garage sends its estimate
The mechanic quotes parts and labour on the platform. HIVA compares it with similar repairs, then the insurer approves, negotiates or declines it within each officer's authority limit.
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5Garage + policyholder
The garage repairs and invoices
The garage marks the job done and uploads its invoice; the policyholder confirms they have collected the car.
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6Insurer finance
Finance pays and recovers
The garage is paid, less the excess, with maker-checker on the payment. Salvage and third-party recoveries are tracked on the same file.
Every class has its own network
The class module knows who takes part in its claims, so each partner gets the steps that fit.
Surveyors & carriers
Surveyors file damage reports at the port; recoveries are claimed from the shipping line.
Loss adjusters
Adjusters visit the site and value the loss; the average rule is applied at settlement.
Tow, salvage & recovery
Tow trucks move the car, salvage buyers bid on write-offs, recovery agents chase third parties.
Assistance partners
Medical and travel assistance companies open and update cases for travellers abroad.
Contractors & adjusters
Contractors report damage on site; adjusters report against the contract value.
Co-insurers & reinsurers
Lead and follow insurers see their share of each loss; reinsurers get advice on large claims.
AI built in
Meet HIVA, the AI working beside your team.
HIVA, the Hayok Intelligent Virtual Assistant, runs through every part of Claimify Core. It reads the documents, checks the claims, answers questions about your book, and serves policyholders and partners day and night, so your staff spend their time on decisions instead of data entry.
- HIVA suggests, your people decide. Approvals stay with each officer's authority limit.
- It sees only what the user may see: same roles, same tenant, same permissions.
- Every suggestion is logged with who accepted or overrode it.
HIVAHayok Intelligent Virtual Assistant
Online
Which motor claims need my attention this week?
Three claims need you:
- CLM/MTR/26/0042 · the garage estimate of ₦780,000 is 18% above similar Camry repairs. I suggest ₦740,000.
- CLM/MTR/26/0051 · reported 9 days after the policy started.
- CLM/MTR/26/0057 · same vehicle as a claim settled in March.
Open claimsDraft reply to garage
Draft the reply to the garage for 0042.
Reads the documents
Vehicle papers, Form M, invoices, bills of lading, survey reports and broker slips become filled-in quotes for an underwriter to check.
Checks every claim
Flags inflated estimates, claims soon after inception, repeat vehicles and missing documents, and reads damage photos before the assessor arrives.
Answers questions about your book
"Loss ratio on marine this quarter by broker?" Plain-language answers from your own data, with the figures behind them.
Serves customers day and night
Explains their cover, sends certificates, takes a claim report with photos and gives its status, on the portal or WhatsApp.
Quotes in a conversation
Partners describe the risk in a message; HIVA asks what's missing and returns a priced quote within their appointment.
Drafts products and reports
Describe a product in plain words and HIVA drafts its covers, rates and rules for review; it drafts renewal letters and regulatory return notes too.
Features
Everything a general insurer runs on, in one place.
Available now is in the platform today; In development is on the roadmap we're building with our first insurers.
HIVA AI assistant
Available nowReviews every claim and estimate against your price list and past claims, flags warning signs and suggests a fair amount, and answers questions about your book. Reading documents into quotes is in development.
Onboarding & entities
Available nowAdd each licensed company in your group, with its own licence, country, currency and language, and tick the classes it writes.
Product factory
Available nowCovers, rate %, flat or table pricing, minimum premiums, excess, extensions, conditional loadings and discounts, referral limits and commission. Draft → launch → new version.
Rating & quotes
Available nowInstant premiums with a full breakdown, the referral needed and the commission due, the same for staff, agents, brokers and the web.
Partners & roles
Available nowBrokers, agents, banks, corporate clients, assessors, adjusters, garages, reinsurers. Every person signs in with a role that decides what they see.
Policy administration
Available nowIssue single risks and fleets, endorse, renew and cancel with pro-rata premiums; schedules, certificates and renewal notices as PDF, with a full audit trail.
Premium & finance
Available nowDebit and credit notes, receipts, dedicated bank accounts and card links, premium finance, “no premium, no cover”, ageing, commission statements and bank payouts. GL export is next.
Claims
Available nowEach class's own steps: notification with cover checks, documents, assessor and garage, reserves, approvals by authority limit, maker-checker payments, salvage and recoveries.
Reinsurance & co-insurance
Available nowQuota share, surplus and excess-of-loss treaties, facultative placements, automatic cessions, recoveries on every claim payment, statements and bordereaux. Co-insurance accounts are next.
Agent, broker & bank access
Available nowQuote and issue within their appointment, declare marine shipments under open covers, collect premium, report claims, renew and follow commission paid straight to their bank.
Customer portal
Available nowBuy online, pay, download documents, renew and report a claim, for individuals and for corporate clients managing fleets and schedules.
Reports & analytics
Available nowProduction and claims registers, loss ratio by class, renewals due, outstanding premium, CSV exports. Regulatory returns by class are in development.
Integrations
Ready to connectNIID, Safehaven banking, Paystack, Hayok Credit premium finance and HIVA TRACE are built and switch on with your credentials. Live NIN/BVN checks, your accounting system and a partner API are in development.
Who uses it
One platform, every party to the policy.
Insurer staff
Underwriting, policy operations, claims, finance, reinsurance, compliance, customer service, branch managers and executives, each with their own tools and approval limits.
Agents & brokers
Quote, issue and renew for their clients, issue marine certificates and follow their commission.
Banks & partners
Bancassurance, lenders and aggregators sell through the portal or the API.
Policyholders
Individuals and companies see all their policies, pay, renew and report claims; corporate clients manage fleets, property and staff schedules.
Claims network
Motor assessors, loss adjusters, surveyors, mechanics and garages receive jobs and send reports, estimates and invoices on the platform.
Reinsurers
Receive bordereaux, statements and large-loss advice on time and in one format.
Compliance & security
Built for regulated insurers.
Claimify Core is built to pass an insurer's due diligence: every tenant's data separated in every query, permissions enforced on the server, maker-checker on money, and a full audit trail.
- Tenant isolation enforced for every record, with tests.
- Roles and authority limits checked on the server, not just hidden in the screens.
- Versioned products: every policy keeps the rates and wording it was sold on.
- Multi-entity: separate licences, currencies and languages in one group.
- Regulatory returns by class of business, NIID reporting and NDPA-aligned data handling.
- AI with guardrails: HIVA works within each user's permissions, and every suggestion is logged with who acted on it.
- Dedicated deployment per insurer available, hosted where you need it.
Claimify Core
General insurance: motor, marine, fire, travel, liability, engineering, specialty.
Claimify Health
Health schemes and HMOs: enrolment, providers, authorization codes and claims vetting. claimify.ng
Put your general business on one core.
We're onboarding our first insurers now. Tell us which classes you write and we'll show you Claimify Core with your own products configured.