Insurance companies run on processes that were designed decades ago and have been patched rather than replaced ever since. Claims workflows route through multiple departments, underwriting decisions depend on data trapped in legacy mainframes, and compliance obligations grow with every regulatory update. The gap between how these businesses actually operate and what their software supports gets wider every year.
The Landscape
The UK insurance sector is under sustained pressure from regulators, aggregator platforms, and customer expectations that have shifted permanently toward digital-first interactions. The FCA expects demonstrable compliance with Consumer Duty, fair value assessments, and transparent claims handling — all of which demand data that most insurers cannot surface without manual effort. Meanwhile, insurtechs are entering the market with modern platforms that make legacy operations look slow by comparison.
Most carriers and brokers are not short of technology. They have policy administration systems, claims platforms, and actuarial tools. The problem is that these systems were acquired or built at different times, by different teams, and they do not share data cleanly. The result is operational friction: rekeying data between platforms, reconciling figures across disconnected databases, and producing regulatory reports by exporting to spreadsheets.
Common Challenges
- Claims processing that spans multiple systems, requiring handlers to copy data between platforms and chase updates manually
- Underwriting workflows that depend on information locked in legacy mainframes or green-screen applications
- Regulatory reporting (FCA, Solvency II, Consumer Duty) that requires weeks of data gathering from disconnected sources
- Bordereaux and settlement reconciliation managed through spreadsheets that are error-prone and impossible to audit
- Customer-facing portals that are outdated or non-existent, pushing simple queries to call centres
- Integration gaps between broking platforms (Acturis, SSP), accounting systems, and internal tools
What We Build for Insurance
We build the connective layer that sits between existing insurance platforms and the workflows that actually run the business. A typical engagement might involve building an API bridge to a legacy policy administration system so that claims data flows into a modern dashboard without anyone rekeying it. Or constructing an automated bordereaux processing pipeline that ingests insurer data, validates it against policy records, and flags discrepancies before they reach finance.
For brokers, we build internal operations platforms that centralise the data currently scattered across Acturis, Outlook, and shared drives. Quote tracking, renewal pipelines, and commission reconciliation — brought into a single interface that reflects how the team actually works rather than how the software vendor imagined they would.
Where customer-facing systems are needed, we build portals that let policyholders manage claims, upload documents, and track progress without calling in. These integrate with existing back-office systems so the portal is not a separate silo but a front end for the same operational data.
How We Work With Insurance Clients
Insurance projects require careful handling of regulated data and a realistic understanding of the legacy landscape. We do not propose ripping out core platforms — we build around them. API-first integration means existing systems continue operating while new capabilities are layered on top.
We work with compliance and IT teams from the outset to ensure that data handling, access controls, and audit trails meet FCA and ICO requirements. Most insurance clients start with the workflow that causes the most operational pain — usually claims processing or regulatory reporting — and expand once that system is delivering value.
Let Us Look at Your Workflow
If your team is spending more time moving data between systems than using it, we can help you identify where integration and automation will have the biggest impact. Get in touch to discuss your current operations.
