Assuralia: paperless mobile claims reporting

Business context

Assuralia, representing nearly the entire property insurance market in Belgium, aimed to simplify and standardise the way motor claims are reported. The organisation was looking for a solution that would improve the user experience while also accelerating the work of insurance companies.

The existing paper-based accident report form was time-consuming, prone to errors, and required cumbersome information exchange between the parties involved in the incident. In the stressful aftermath of a collision, filling in documents was difficult, and the subsequent manual data processing on the insurers’ side further prolonged the process.

The goal of the project was to fully digitise claims reporting in the form of a user-friendly mobile application that reduces reporting time, improves data quality, and provides a consistent standard for Assuralia members.

Challenge

The key challenge was to replace the traditional paper statement with its digital equivalent, which users could complete quickly and accurately in stressful circumstances. It was essential to maintain data completeness while simplifying the entire process.

The application had to operate flexibly: allowing both parties involved in the incident to complete the report together on a single device, or serving as a collaborative tool across two phones. This required well-designed collaboration logic and seamless information exchange between devices.

In addition, the interface needed to guide the user step by step, minimising the risk of omissions and errors while enabling an unambiguous representation of the course of the collision and the extent of the damage.

Solution

Leaware developed the Assuralia application using Xamarin, delivering a consistent experience across iOS, Android, and Windows Phone platforms. Choosing a cross-platform approach accelerated delivery and ensured uniform process logic across all devices.

The application provides an interactive form that guides users through the key steps of data collection: selecting the incident category from a predefined list, indicating witnesses, taking photos directly within the application, and visually marking vehicle damage. The user can also graphically recreate the road incident configuration, which reduces ambiguity.

Integrated maps allow the collision location to be identified precisely, and the completed report is submitted digitally to the insurer. An intuitive interface, real-time validation, and contextual prompts reduce reporting time and improve data accuracy.