UK PMI · P&C · FCA Consumer Duty · DORA-aligned

The AI Claims Employee for UK insurers,
process claims 75% faster, audit-ready for FCA Consumer Duty.

DocuGenius handles claim intake, validation, and routing for UK PMI and P&C carriers. Built for the £7.02bn PMI market and 8.43 million policyholders UK insurers are scaling to serve.

EU on-prem available
Pilot under 1 day
From €500/month

Claims automation for UK insurers, FCA Consumer Duty ready

UK PMI and P&C carriers are scaling member volume faster than claims headcount. DocuGenius handles intake, validation, and routing with deterministic decision rules your compliance team owns, and logs every decision for FCA Consumer Duty scrutiny.

How it works

From claim document to audit-ready settlement

Three steps: ingest, validate against Consumer Duty rules, route with full evidence trail.

1

Ingest UK claim documents

PMI claim forms, hospital invoices, GP referrals, P&C loss notifications, photos, portal uploads. Any format, any quality, any source, multi-LLM extraction handles the lot.

2

Validate with no-code decision rules

Deterministic rules check policy eligibility, completeness, and Consumer Duty fairness. Your compliance team edits the rules directly, no developer tickets, no release cycles.

3

Push to Salesforce with full audit trace

Clean claims push straight into Salesforce via our AppExchange app, claim data and evidence chain attached together. Exceptions route to adjudicators. FCA reviewers see the decision, the rule, the model, and the reviewer signoff on demand.

Outcomes

What teams report

75%

Reduction in claim resolution time at AI-enabled carriers (30 days → 7.5 days).

8.43M

UK PMI policyholders, strongest market penetration since 2008, growing 13.83% year-on-year.

64%

Claims is the highest AI-adoption function in insurance, vs. 34% across all functions.

Where are you on the curve?

Three or more true? Manual no longer scales for you.

No case study needed — score your own operation. The thresholds below are where carriers stop being able to hire their way out of the backlog.

  • Clean PMI or P&C claims take more than 3 business days to settle.
  • More than 20 claims a week per adjudicator are sitting in manual review.
  • Over 30% of claims get escalated to a senior handler.
  • Your straight-through (automation) rate is below 40%.
  • You onboarded new members or lines this year without adding claims headcount.

The cost of standing still: at a typical loaded cost of £30–60 to handle a claim by hand, a 10,000-claim month is £300k–600k of processing — most of which never needed a human. Every week a clean claim waits is cost and capacity you don't get back. DocuGenius clears the routine ~75% so your team works only the exceptions: same headcount, 2–3× the volume.

See it on your own documents

A 15-minute walkthrough on a real document — yours or ours. Pilot environment live in under a day.

Differentiators

DocuGenius vs. Tractable / Sprout.ai / generic IDP

UK PMI is multi-line, regulated, and procurement-heavy. Most incumbents solve one slice.

Multi-line coverage

Handles PMI, motor, property, travel, life on one platform with one rule engine.

Single-line / black-box AI

Tractable is motor damage only. Sprout.ai targets PMI as a black-box AI.

FCA Consumer Duty audit

Every decision logged with the rule, model, and reviewer signoff trail. Stands up to FCA enforcement scrutiny.

Single-line / black-box AI

Generic audit logs not designed for the FCA's stated enforcement posture on claims handling.

EU on-prem / DORA alignment

Available day one. DORA-aligned ICT vendor profile for tier-1 procurement reviews.

Single-line / black-box AI

Mostly US-cloud or UK-SaaS. DORA gaps that procurement and InfoSec flag at vendor review.

Salesforce integration

Listed on Salesforce AppExchange, claim data and audit trail push straight into your instance, security-reviewed by Salesforce.

Single-line / black-box AI

Bring-your-own ETL pipeline. Custom integration project per deployment.

Common questions

Frequently asked

Every claims decision is logged with three things: the decision rule that fired, the model that processed the document, and the inputs used. When the FCA asks why a claim was handled this way and whether it was fair, you produce the chain on demand. Deterministic decision rules, not AI opinions, drive the choices that matter.

Explore other solutions

Related reading:

Get a 5-min walkthrough on your documents

Share your use case, we'll come prepared

  • We'll walk through DocuGenius on a real document, yours or ours
  • From signed contract to live in under 2 weeks
  • Every decision logged and rule-traceable for audit
  • Your data stays yours - we never train on it

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