Allianz to use

Artificial Intelligence to deliver a true end-to-end automated solution for Stage 3 injury claims

Posted on: 28 January 2019
Allianz Insurance today launches 'Defendant Hub' a new digital proposition that uses artificial intelligence to enable the company’s injury claims handlers to action Ministry of Justice Stage 3 claims at a single click of a button.

In partnership with Keoghs, a leading provider of legal services to UK Insurers, Allianz has implemented the Defendant Hub, which uses AI technology to create the first truly automated end-to-end digital solution for Stage 3 claims.

Ministry of Justice Stage 3 claims is the phase of the process where legal proceedings may be issued, if the parties cannot agree how much a claim is worth.

"As well as improving operational efficiency, the data collected by the Hub will enable us to drive better insight from these types of claims."
Amanda McCarthy, Technical Claims Manager, Allianz Insurance plc

Under the old system, handlers had to check and respond to a Court Proceedings Pack and manually download documents relating to the claim to pass them to their legal providers. Once a Stage 3 hearing had taken place the outcomes were shared with handlers to populate back into the system.

The new Defendant Hub enables handlers to perform these steps automatically and collect outcome data at the push of a button for low value motor and casualty bodily injury claims. It also eliminates the manual input of data and generates a response. Once a Stage 3 hearing is completed, details of the award given are captured by Counsel and automatically populated into Allianz’s system.

It is estimated that the new system will cut the time it takes to handle each claim by 30 minutes.

The Defendant Hub uses and builds on the technology that Keoghs successfully developed for Lauri, the first true AI lawyer for the insurance market, which has revolutionised the way insurers interact with their legal providers.

As Lauri communicates directly via system integration or by email using natural language processing, there is no need for handlers to log into old-fashioned legal portals, ensuring no change in communication other than the vastly improved speed and efficiency with which an outcome is provided.

"Artificial Intelligence and machine learning are often portrayed as the future for insurers, but Allianz and Keoghs are [...] using this technology today."
Dene Rowe, Director of Innovation, Keoghs

Amanda McCarthy, Allianz’s technical claims manager, said:

"We are continuously looking for ways to improve our claims proposition and make improvements for our customers. The addition of Defendant Hub will significantly reduce our handlers’ time, creating an average saving of half an hour per claim.

"As well as improving operational efficiency, the data collected by the Hub will enable us to drive better insight from these types of claims. The results will give us the opportunity to improve our strategies as well as having a competitive edge

"We’re delighted to be able to partner with Keoghs and bring together our industry expertise to create propositions that will have a greater impact to our customers."

Dene Rowe, director of innovation at Keoghs, said:

"We’re excited to see Allianz’s Defendant Hub build on the successes of our Artificial Intelligence system to create the first truly automated end-to-end digital solution for Stage 3 claims.

"We launched Lauri to enable claims handlers to achieve better outcomes without unnecessary paperwork and delays. It’s great to see Allianz adopt solutions that further delivers on those ambitions, and we anticipate that it will help drive efficiencies and insights.

"Artificial Intelligence and machine learning are often portrayed as the future for insurers, but Allianz and Keoghs are already delivering an automated end-to-end solution for claims handlers using this technology today."

The information contained in this press release relates to Allianz Insurance plc. Allianz Insurance plc is one of the largest general insurers in the UK and part of the Allianz Group.

About Allianz Holdings plc

Allianz Holdings plc is the non-regulated holding company which owns the principal insurance operations of Allianz SE in Great Britain.

About Allianz

The Allianz Group is one of the world's leading insurers and asset managers with more than 100 million* private and corporate customers in more than 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing 790 billion euros on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage 1.7 trillion euros of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are amongst the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2021, over 150,000 employees achieved total revenues of 148.5 billion euros and an operating profit of 13.4 billion euros for the group.

These assessments are, as always, subject to the disclaimer provided below. 

Cautionary note regarding forward-looking statements

This document includes forward-looking statements, such as prospects or expectations, that are based on management's current views and assumptions and subject to known and unknown risks and uncertainties. Actual results, performance figures, or events may differ significantly from those expressed or implied in such forward-looking statements. Deviations may arise due to changes in factors including, but not limited to, the following: (i) the general economic and competitive situation in the Allianz Group's core business and core markets, (ii) the performance of financial markets (in particular market volatility, liquidity, and credit events), (iii) the frequency and severity of insured loss events, including those resulting from natural catastrophes, and the development of loss expenses, (iv) mortality and morbidity levels and trends, (v) persistency levels, (vi) particularly in the banking business, the extent of credit defaults, (vii) interest rate levels, (viii) currency exchange rates, most notably the EUR/USD exchange rate, (ix) changes in laws and regulations, including tax regulations, (x) the impact of acquisitions including and related integration issues and reorganization measures, and (xi) the general competitive conditions that, in each individual case, apply at a local, regional, national, and/or global level. Many of these changes can be exacerbated by terrorist activities.

No duty to update

The Allianz Group assumes no obligation to update any information or forward-looking statement contained herein, save for any information we are required to disclose by law.
*Including non-consolidated entities with Allianz customers.

Charlotte Stretton
Media Relations Officer
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