The AI claims agent that takes the call, sees the damage and settles the claim.
Averoxi replaces the call centre and the adjuster visit with one autonomous, multimodal agent. It handles first notice of loss over voice and WhatsApp in the claimant's language, guides photo capture, estimates repair cost from imagery, scores fraud in real time and pays low-complexity claims straight through.
- $3–20
- per claim
- <5 min
- FNOL to decision
- 40+
- languages & dialects
Drops into the stack carriers already run
- WhatsApp Business
- Voice / IVR
- Guidewire ClaimCenter
- Duck Creek
- Sapiens
- Majesco
- Salesforce
- Twilio
- Audatex
- Mitchell
- M-Pesa
- Flutterwave
- Stripe
- SAP
- WhatsApp Business
- Voice / IVR
- Guidewire ClaimCenter
- Duck Creek
- Sapiens
- Majesco
- Salesforce
- Twilio
- Audatex
- Mitchell
- M-Pesa
- Flutterwave
- Stripe
- SAP
The claims process was designed for phones with cords and cameras with film.
Every carrier feels it in two numbers: cycle time and leakage. Both come from the same place — a process that scales with headcount, not intelligence.
FNOL is a call centre.
Claimants wait on hold, repeat themselves, and get a case number. Every minute is churn risk — and every handoff drops context.
Assessment is a person in a car.
A physical adjuster visit costs $300–600 and takes days to schedule. For most claims the visit confirms what a photo already showed.
Cycle time bleeds customers.
Days-long claims are the #1 driver of non-renewal. Speed isn't a nice-to-have — it's retention.
Nobody has time to scrutinise.
Leakage — the money overpaid because no one could check — is a volume problem. Humans can't inspect every image. An agent can.
One multimodal agent. The entire claims journey.
Averoxi isn't a chatbot bolted to a form. It's an autonomous agent orchestrating speech, vision and decisioning models — with hard guardrails and a human in the loop wherever you want one.
Conversational FNOL, in their language
Voice or WhatsApp. The agent takes the story naturally, extracts the structured claim, and confirms coverage — in 40+ languages and dialects, code-switching included.
Guided capture
Real-time on-device guidance tells the claimant exactly what to shoot — angle, distance, lighting — so every image is usable the first time.
Vision-based estimates
Vision-language models map damage to parts and labour databases for a line-item estimate in seconds, with a confidence score.
Fraud signals, in-line
Image reuse, metadata inconsistency, staged-damage patterns and claimant velocity — scored before a human ever looks.
- Image reuse0 matches across 2.1M claims
- EXIF / GPSConsistent with FNOL location
- Staged-damage patternLow similarity (2%)
- Claimant velocity2 claims / 90 days
Straight-through settlement
Deterministic decision policies you author. Low-complexity claims are approved and paid instantly; everything else routes with a full dossier.
Human-in-the-loop, by design
Adjusters supervise a queue, not a phone line. Every agent decision ships with its evidence, reasoning trace and confidence — override in one click, and the agent learns from it.
- 0%
- reduction in FNOL handling time
- call centre → agent
- 0 min
- median FNOL-to-decision
- low-complexity motor
- 0%
- settled straight-through
- no adjuster touch
- $0
- saved per avoided site visit
- midpoint of $300–600
FNOL to payout, one autonomous loop.
Six stages, orchestrated end-to-end. Each stage emits evidence into the claim dossier, so nothing the agent does is a black box.
Notice of loss, conversationally
Speech-to-text, entity extraction and policy lookup run while the claimant is still talking. Structured claim, zero form.
Scrutinise every claim. Not just the ones you have time for.
Leakage is what happens when volume beats attention. Averoxi scores every image, every metadata field and every relationship — in-line, before payment, at zero marginal cost.
Image reuse
Perceptual hashing and embedding search against every image the carrier has ever received — and the open web.
Metadata inconsistency
EXIF timestamps, GPS, device fingerprints and edit histories cross-checked against the FNOL narrative.
Staged-damage patterns
Models trained on confirmed-fraud corpora flag implausible damage distributions and repeat repair-shop signatures.
Network & velocity
Graph features across claimants, garages, phone numbers and bank accounts surface organised rings early.
Motor is done. Everything else isn't.
Every emerging insurance market is growing without any straight-through claims capability. Averoxi is built line-agnostic from day one — the same agent, new parts tables, new decision policies.
Motor
Collision, glass, theft. Parts and labour databases for 30+ markets.
Property contents
Room-by-room inventory from video walkthroughs, valued against retail and depreciation tables.
Agricultural loss
Crop and livestock loss from field imagery and satellite indices; parametric triggers supported.
Marine cargo
Container and cargo damage from port photos, matched to bills of lading and survey standards.
Health
Outpatient claims from receipts and discharge notes, with tariff validation and upcoding detection.
Priced like an adjuster you never have to schedule.
Two models. Both are a rounding error next to a site visit.
Per claim
Usage-basedPay only for what the agent handles. Price scales with line of business and how far the claim travels — FNOL only, through assessment, or full straight-through settlement.
- Conversational FNOL, voice + WhatsApp
- Guided capture & vision estimates
- Fraud signals on every claim
- Adjuster console & dossiers
- Core-system write-back
Licence + outcome share
Aligned incentivesA fixed platform licence with a success fee tied to independently measured leakage reduction. We only win when your loss ratio improves.
- Everything in Per claim
- Custom decision policies per LoB
- Private model fine-tuning on your corpus
- Dedicated deployment region
- Quarterly leakage audit & attestation
Built for regulated carriers, not demo day.
Claims data is the most sensitive data an insurer holds. We built Averoxi around that from the first commit.
Encrypted end-to-end
TLS 1.3 in transit, AES-256 at rest, customer-managed keys available.
Data residency
Deploy in-region — EU, UK, Nigeria, Kenya, South Africa, India, Brazil, GCC — to meet local regulatory requirements.
Model governance
Versioned models and policies, bias monitoring per segment, full decision traces for regulators.
SOC 2 & ISO 27001
Controls designed to SOC 2 Type II and ISO 27001; audit reports available under NDA.
Your data stays yours
No cross-customer training without explicit opt-in. Deletion on request, with certificate.
Human override, always
Any decision can be paused, reversed or escalated by a licensed adjuster in one click.
Put an agent on every claim. Starting with your next one.
We onboard a handful of carriers per quarter. Tell us your lines, markets and volume — we'll come back with a pilot plan inside a week.