I.O.D.E.
Insurance Online Data Entry
Online data entry for insurance — capture policies, claims and supporting data with validation and straight-through processing.
- Policy & claim entry
- Validation
- Workflow routing
Capabilities in detail
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Policies bound to what they cover
A policy attaches to a property, a ship, warehoused goods or a person, with the lender recorded as mortgagee-beneficiary.
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Co-insurance
Several insurers on one risk, each with their participation percentage, resolved into a single figure for cover.
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Renewals and endorsements
Every action on a policy — issue, renewal, cancellation — with premium, commission, collected and outstanding amounts in their own currencies.
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Expiry and assignment alerts
Scheduled jobs raise cover that is about to lapse and policies not yet assigned to collateral, before either becomes an uncovered exposure.
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Insurer feed synchronisation
Automated intake from insurance companies, with a sync dashboard and a watchdog that flags a feed that has stopped delivering.
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Coverage reporting
Cover per collateral item, floating-cover handling and exception lists such as policies with no recorded action.
On the roadmap
Planned capability, not yet available. Timing and scope on request.
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Borrower self-service
A portal where the borrower uploads proof of cover directly, cutting both the notice cycle and the calls it generates.
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Insurer pre-verification
Cover confirmed with the insurer before any notice is sent, so a borrower who is already insured is never chased.
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Escalating notices
Email, post and SMS on a configurable schedule, with every attempt evidenced for the file.
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Lender-placed cover
The full path — trigger, placement, refund on proof of cover — designed to place as little insurance as possible.
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Coverage-gap analytics
Uninsured and under-insured exposure carried as a live figure by portfolio, product and business unit.
