Gjensidige first implemented Scalepoint HUB Property and then expanded with ClaimShop and Scalepoint HUB Motor. Today, Gjensidige subscribes to most of Scalepoint’s SaaS solutions. Sagild says:
“We use ClaimShop to process contents claims. ClaimShop consists of a calculation tool, a rule engine, and a webshop. This means that we can handle many claims from A to Z in minutes without manual processes. Damages are calculated automatically, and customer communication is also automated. End-customers experience that we are immediately available when they need to make a claim. It is important that our customers experience that we have the best solutions on the market.”.
Convenience, convenience, convenience
ClaimShop provides significant benefits for both Gjensidige’s end-customers and stakeholders within the organization. End-customers experience a coherent, digital flow because they can quickly register a claim, upload receipts, and receive payment or repurchase damaged contents at a discount in the webshop.
”Our customers want convenience above all else. In addition, we offer discounts of up to 20% on everything they buy. The supplier network in ClaimShop is so comprehensive that you can buy pretty much everything right there. End-customers have full freedom to buy something completely different from what they have lost or to have the money paid out. Even if a customer has a bicycle stolen and this was not insured, we can let them buy a new bicycle at a discount. The purchasing cooperative is big and works well, so we can negotiate good discounts. This is a real plus for our end-customers, and thus for us.”
ClaimShop creates value for Gjensidige by increasing productivity and boosting growth. Sagild says:
”Productivity improves when processes are digitized and uniform. Our employees can focus on providing good, personal customer service. Moreover, employees with special competencies can skip routine tasks and instead concentrate on what they are good at, namely the more complex insurance cases. As a result, we can easily increase the volume of damage claims without adding more manual processes. Overall, the solution helps us grow because it’s fast, accurate, and our customers are very satisfied”
The built-in calculation tool quickly calculates damages, all while business rule compliance is assured and prices are challenged. The costs of damaged goods are checked against a digital product catalog, so Gjensidige receives a quick answer about what the goods are worth and which products can take their place.
”The calculation tool contributes to uniform, high-quality claims handling. But we also save administration and compensation costs because we can eliminate manual errors along the way,” says Kasper Stentoft, head of business development and purchasing for claims in Gjensidige.
Automates half of all contents claims
Gjensidige processes about half of all contents claims automatically, either fully or in part, through ClaimShop. With the help of a rule engine, Gjensidige has set clear guidelines for when claims are treated automatically or should be handled by a claims handler. The number of damaged goods does not matter as much as the category.
”Over 20% of all items registered in ClaimShop are automatically approved. We can set up drop-out criteria ourselves for things like expensive jewelry, watches, furs, and cash. We handle items like these manually. However, if a claim covers many different items, parts of the claim may be approved automatically while the rest are dealt with by a loss adjuster or claims handler. We have full freedom to set the rules as we wish. ClaimShop is used by many insurance companies, so our competitiveness depends on how good we are at fine-tuning the rules,” explains Kasper Stentoft.
Strategic sparring with Scalepoint's claims experts
ClaimShop evolves with new technologies. For example, within a few years, AI will play a more important role. Stentoft says:
“AI will, for example, scan and check receipts automatically and ensure that receipts and metadata match. AI can do this kind of work much faster than humans. It is basically about improving and refining the solution, and Scalepoint is very responsive to our ideas for new features”
“We collaborate with Scalepoint on both the operational and strategic levels. Discussing our strategic direction with Scalepoint and their understanding of what we want to achieve concerning our customers adds value. It’s a real plus that they can automate tasks so we can improve both the customer experience and our processes. Our digital agenda is changing rapidly, and Scalepoint supports this transformation.”