The whole insurance lifecycle. One AI-native platform.
Integual runs quoting, policy admin, claims, document production and self-service portals for suppliers and policyholders on one shared data model — built for lean UK MGAs, Lloyd's coverholders and claims operations that can't justify enterprise cost or a year-long implementation.
The problem isn't your team. It's the patchwork.
Most lean UK insurance operations run on one system for policy admin, something separate for claims, a bolt-on for documents, and spreadsheets and email for everything else. The costs are predictable:
Data is re-keyed between systems
The same customer, policy and claim details are typed into three places — so they drift, and errors creep in.
Handlers work slowly
Claims context lives in five places. Every decision starts with twenty minutes of hunting for it.
Legacy platforms resist change
Expensive licences, 6–12+ month implementations, and a change-request queue for anything new.
No modern self-service
Policyholders and repairers have no portal, so every update, booking and estimate routes through a handler.
Five pieces. One platform. Integrated by design.
A customer, policy or claim is entered once and reused everywhere — no integration project, no re-keying, no drift.
Policy Administration
Quote, bind and administer policies. A no-code product builder puts a new insurance product live in days; broker EDI import and mid-term adjustment workflows are built in.
Claims
Full claims handling from first notification to settlement — AI-drafted action plans, reserves and payments, supplier coordination and total-loss logic in one place.
DocPro
Reach customers on the channel they actually read — post, email, SMS or WhatsApp — from one compose screen, with AI drafting and a reusable template library.
Supplier Portal
Repairers and suppliers receive instructions, confirm bookings and submit estimates online — without ever touching your internal systems.
Policyholder Portal
A mobile self-service app: customers view their policies and claims, and file a claim themselves with photos and location — installable straight to their home screen.
Admin & Oversight
User and permission management, a prioritised product backlog fed by in-app feedback, and activity views across the whole operation.
End-to-end, not stitched together
Nobody else bundles the full lifecycle for operations this size. The alternatives cover part of the job and leave you to integrate the rest — or they're enterprise suites built for carriers ten times your scale.
Genuinely AI-native. Not a bolt-on.
The AI does real handler work — drafting from your actual claim and policy context, not from a blank page. That's where the time savings live.
AI claim action plans
Drafts a prioritised action plan from the live claim file — parties, injuries, damage, suppliers, correspondence — the moment a handler opens the claim.
AI letter drafting
Turns those actions into ready-to-review correspondence in DocPro, grounded in the claim file. Handlers edit and approve; they don't start from scratch.
A capacity-winning asset
Capacity providers increasingly weigh an MGA's technology and data operations when granting and renewing delegated authority. AI-driven operations are now table stakes — and a differentiator when you have them and rivals don't.
Human-in-the-loop, by design
AI drafts; your people decide. Everything the AI touches lands through the same immutable audit trail as every other change — so you can evidence what was done and who approved it, and walk into AI-scope audits and regulator conversations prepared.
Built for how UK insurance actually works
Market plumbing is baked in, not configured in. Integual speaks the UK market's language out of the box.
Right-sized for the firms the big vendors ignore
Integual is a painkiller for lean operations stitched across disconnected systems — not another enterprise suite.
MGAs & Lloyd's coverholders
Startup and scaling MGAs on personal and SME lines — motor, pet, travel, home — outgrowing spreadsheets or a legacy PAS that only does part of the job.
- No-code product builder: a new product live in days
- Policy, claims, documents and portals in one system
- A technology story that helps win and keep capacity
Claims operations (CMCs & TPAs)
The claims half of the platform stands alone — a complete claims-operations stack with no policy-admin dependency, on claims-volume pricing.
- AI action plans and letter drafting for every handler
- Supplier instruction, booking and estimate loop
- Policyholder self-service FNOL with photos
Scheme & specialty insurers
Small and mid-size insurers replacing legacy systems — often starting claims-first or with a single line rather than a big-bang migration.
- Land one line or one function; expand from there
- Dedicated instance, full audit trail, exportable data
- EDI import as the migration on-ramp
Simple tiers. Transparent AI pricing.
A flat monthly platform fee sized to your book on a 12-month term, AI metered in credits you can see, and onboarding at a fraction of what the market charges.
Launch
- Full platform — all five modules
- Up to 10 users
- 1,500 AI credits per month
- Dedicated instance & audit trail
Growth
- Everything in Launch
- Up to 25 users
- 4,000 AI credits per month
- White-labelled customer portals
Scale
- Everything in Growth
- Unlimited users
- 10,000 AI credits per month
- Priority roadmap input & support
Claims-only pricing for CMCs & TPAs
Running claims without a book of premium? The Claims Ops tier prices on open-claim volume instead of GWP — from £1,500 a month for up to 500 open claims — with the same AI credit mechanics.
AI credits, metered transparently
Every AI action has a visible credit price — a claim action plan is 5 credits, a drafted letter 10. Top-up packs are available when you need more; unused allowance never blocks the work.
Onboarding from £5,000
Product build and data load, priced £5,000–£15,000 depending on complexity — deliberately an order of magnitude under the implementation fees this market is used to.
Design-partner terms
Our first partners get a substantial year-one discount in exchange for a named case study and reference calls — paid, never free, so both sides are committed.
All prices exclude VAT. 12-month minimum term; discount for annual prepayment.
A security posture that surprises people
Insurance data deserves better than “trust us”. Integual is built security-first, and the protections are contractual as well as technical.
Dedicated instance
Your own isolated database and deployment — your data never shares an instance with another customer.
Row-level security
Access control enforced at the database layer on every table, not just in application code.
Full audit trail
Every change to policies, claims, payments and customer records is logged immutably — who, what, when.
Hardened logins
MFA for privileged roles, breach-screened passwords, secure httpOnly sessions and CSRF protection throughout.
Human-in-the-loop AI
AI drafts, people decide — a governance posture designed for AI-scope audits, including Lloyd's coverholder audit requirements.
Your data, exportable
Standard Postgres under the hood, with contractual data-export and exit provisions — no lock-in by obscurity.
FCA-outsourcing-ready
Contracts built around SYSC 8: your inspection, information and termination rights, with all sub-processors disclosed.
Continuity protections
Source-code escrow, documented runbooks and defined support SLAs available — sensible answers to sensible due-diligence questions.
We're choosing our founding customers now.
Integual is early — and for the right firm, that's the opportunity. Design partners get a level of influence and responsiveness no incumbent can match: you shape the product around your book instead of queuing for change requests.
- Preferential year-one commercial terms on a 12-month partnership
- A direct line to the people building the platform — decisions in days, not quarters
- Your first product live inside two weeks
- A named case-study partnership — you take the credit for modernising
Book a 30-minute demo
A live, seeded instance with real workflows — quote to claim to customer document, end to end, in one session.
Talk to the founderhello@integual.com