How It Works — ClaimsIQ

FNOLIQ

The way a claim starts shapes everything that follows. FNOLIQ structures first notification — whether the insured is on the phone right now or you have a written notification to process.

73%

of claims leakage originates at first notification

Live call

Beat-by-beat coaching

A structured question sequence that adapts to the declared cause. Each beat captures a specific data point — cause, severity, habitability, welfare, AA, and BI — at the point it's cheapest to capture it.

Written notification

Paste and extract

Paste the notification text — email, portal message, broker note — and the AI extracts structured claim data. Confidence scoring flags anything uncertain for handler verification.

Handoff

Data flows forward

Everything captured at FNOL transfers to RouteIQ automatically. No re-entry, no information lost between the first call and the routing decision.

Vulnerability identificationConsumer Duty-compliant welfare screening at first contact.

PII scanningDetects and flags personal data before it enters the tool.

Works standaloneNo other ClaimsIQ tools required — use FNOLIQ on its own.

Open FNOLIQ → See pricing

RouteIQ

Routing decisions made on gut feel are inconsistent and expensive. RouteIQ asks 21 structured questions across five areas — the claim, financials, integrity, the customer, and context — and produces a clear recommendation with full reasoning and an appointment plan visible immediately.

15%

of claims are mis-routed — costing £3,200+ each

21 beats

Five areas, one clear picture

Cause, severity, habitability, reserve, AA/LoR, BI, timeline, fraud, documentation, vulnerability, property type, occupancy, third party, work status, subrogation, repeat claims, and customer representation — each with specific answer options that drive the routing logic.

Recommendation

Four outcomes, with full appointment plan

Handle on the desk, keep the claim with a contractor, get a specialist involved, or escalate immediately. Hard overrides for fatality, fraud, and £100k+ claims. Every outcome includes a named appointment plan — who to instruct, exactly what to tell them, and what to expect back.

Verdict tabs

Routing, actions, summary — all visible

The results page is tabbed: Routing (the recommendation and AI review), What to do (ordered action list with Now/Soon/Note priorities), and Claim summary (every assessed field at a glance). No scrolling required.

Four outcomesHandle on the desk, contractor needed, specialist needed, or escalate — with a named appointment plan for each.

FNOL handoffReceives FNOL data pre-loaded — no re-entry.

Works standaloneNo other ClaimsIQ tools required.

Open RouteIQ → See pricing

CostIQ

Contractor invoices are the single largest source of claims leakage. CostIQ benchmarks every line against independently compiled UK trade rates — giving handlers the information they need to challenge or accept before any settlement is agreed.

40%

of contractor invoices contain overpriced lines

Step 1

Claim details

Cause of loss, property type, region, and settlement basis. Regional multipliers and property type factors are applied automatically. AI can extract these from a free-text description.

Step 2

Cost entry

Paste the contractor invoice as plain text and AI parses it into structured line items. Each line can be edited. Multiple documents supported for split-contractor claims.

Step 3

Benchmarked results

Every line compared against the rate database: ACCEPT, QUERY, DISPUTE, or REVIEW. AI Guidance gives the handler specific next actions in plain English.

680+ trade ratesUpdated quarterly to reflect current market conditions.

14 UK regional multipliersRates applied correctly for the property location.

Works standaloneNo other ClaimsIQ tools required — free tier available.

Open CostIQ → See pricing

AAIQ

When a property is uninhabitable, the clock starts immediately. AAIQ finds suitable accommodation, tracks spend against the policy AA limit, and calculates disturbance allowance — preventing overspend before it happens.

1 in 5

property claims involves AA — often actively unmanaged

Matched to household

Enter the property postcode and household composition — adults, children, ages, pets, mobility requirements, parking. Results ranked by suitability score, not just proximity.

Track

Spend velocity against limit

The AA limit is calculated from the building sum insured. As costs are logged, the tracker shows current spend, projected run rate, and days remaining — green, amber, or red.

Calculate

Disturbance allowance

Calculated automatically based on household composition and length of displacement. Presented with its basis so the handler can explain it to the insured.

Live accommodation searchHotels and serviced apartments near the property postcode.

Limit alertsAmber at 70%, red at 90% — never surprised by a breach.

Works standaloneNo other ClaimsIQ tools required.

Open AAIQ → See pricing

BIQ

BI claims are the most complex and most commonly mis-settled claim type. BIQ guides any handler through the calculation — gross revenue or gross profit basis — producing a defensible settlement with full workings at every step.

most mis-settled claim type in UK property insurance

Document gate

Know what you need first

Before starting, BIQ shows exactly which documents are needed — with visual guides showing what good data looks like. Handlers can send pre-formatted templates to the insured.

10-step flow

Guided calculation

Policy basis, historical revenue, interruption period, actual trading during loss, savings, AICW, and VAT — each step explained in plain English. Both revenue and GP basis fully supported.

AI Sense Check

Benchmarked against sector

AI reviews the settlement against sector GP rate benchmarks, checks AICW proportionality, and flags anything outside expected ranges before the number is agreed.

Both bases coveredGross revenue and gross profit basis — whichever the policy specifies.

AICW double-deduction guardFlags the most common BI calculation error automatically.

Works standaloneNo other ClaimsIQ tools required.

Open BIQ → See pricing

AI Sense Check

Once you've used multiple tools on the same claim, AI Sense Check gives one comprehensive view across all of them. Declare your intended tools upfront — FNOLIQ, RouteIQ, CostIQ, AAIQ, BIQ — and the full AI review appears automatically at the end of the last tool. One call, one verdict, across the whole claim.

tools reviewed in a single AI call

Declare

Set your workflow upfront

On any landing page, select the tools you plan to use for this claim. The AI review button appears only on the last tool — no per-tool sense checks burning API calls mid-claim. Each tool saves data to a shared CIQ reference as you go.

Or load a reference

Works without a workflow too

Enter any CIQ-XXXXX reference directly. AI Sense Check reads data written by FNOLIQ, RouteIQ, CostIQ, AAIQ and BIQ for that reference — whatever has been completed. Missing tools are flagged but don't block the check.

One verdict

Cross-tool consistency check

Does the routing match the cost verdict? Does the BI GP rate match the sector? Are costs proportionate to cause and severity? One structured verdict: APPROVE / QUERY / DISPUTE — with specific actions and flags.

Workflow-awareDeclare which tools you need — the AI review appears at the end of the last one. Or run it any time with a CIQ reference.

Cross-tool consistencyFlags inconsistencies between tools that individual tools can't see — routing vs costs, BI vs cause, AA vs severity.

Included freeNo additional charge — included with any PropertyIQ subscription.

Open AI Sense Check →

Intelligence at every decision point

See it with a real claim