Market leading features for innovative insurance offerings
With our comprehensive feature set, we provide market leading approaches to insurance challenges. We push the envelope and challenge old ideas to create next generation insurance software.
Embed insurance into existing purchase flows
Match fonts, colours and styles with the host website or app
Easy to embed with just a few lines of code, or use our plugin
Pre-seed data to save customers time and improve conversions
Real-time quoting - display the premium estimate as you go
Headless embedding via APIs also available
Quotes can be created and resumed by customers on a website, or using the customer portal
Quotes can be created by brokers within the agent portal, and a link can be sent to customers to review, accept and make payment
Quotes can be started by customers, and resumed by brokers when customers need assistance
Set review triggers for situations where brokers need to step in
Set endorsement triggers for situations when an underwriter needs to get involved
Progress through a quote journey is saved automatically. If they come back, it will pick up where they left off automatically
Customers can request a link to be sent to them to continue their quote on a different device
Customers can request a callback at any time, upon which a email or SMS will be sent to an agent with the customer’s contact information
Quotes can be set to expire automatically (e.g. after 30 days), manually, or at a specific date
Quote versions can be tracked so the history of a quote can be inspected in the portal
A previous quote version can be edited, allowing a user to go back to a point in time and continue from there
Full quote details can be inspected in the portal, including quote details, questions answered, premium and price breakdowns, attached files and documents, associated emails and SMSes and more
Your customer is fully modelled in the system, allowing you to see individuals and companies and their related information
Supports multiple people or parties related to a policy
View all associated records under a customer, including quotes, policies, claims, emails, SMSes, financial transactions, notes
A customer can be assigned to a broker or agent responsible for managing the account, and the agent can view a list of their customers.
Supports the full lifecycle of policy transactions including new business, adjustments, endorsements, renewals and cancellations
Additional reversal and reinstatement transactions also available
Automatic prorating of premiums and charges
Configure renewal and refund settings, and per transaction type options
View detailed information about issued, active, expired and cancelled policies.
View a full transaction history, questions answered, rating factors, premium and price breakdowns, associated files and documents, associated claims, communications and notes
The platform supports the submission, notification, lodgement, reviews, assessment and settlement of claims by customers or agents
Integrate with external claims systems to keep claims in sync, or upload claims periodically
Claims history within the system can be automatically fed into renewal ratings calculations
Set up automations so that for a total loss (e.g. for a vehicle or asset), it automatically cancels the policy
Power your product distribution by setting up organisations within the platform, giving them the tools to quote, bind, and sell
Control what each organisation can do, and provide pricing or customisations unique to your relationship with them
Allow them to manage their own users and use dashboards and reports to track and improve their performance
Data is segregated per organisations, with rules and restrictions configurable for data sharing.
Create as many customer portals as you like, each with a different theme and branding, and designate them for certain products or schemes
Allow customers to view their quotes and policies, access their transaction history and download policy documents
Customers can create new quotes and policies directly in the portal
Allow customers to fully self serve, including making adjustments to the policy, renewing or cancelling, and creating a claim
All documents associated with an issued policy will be attached to the quote, policy and claims including the PDS, FSG, Policy Wording, Certificate of Currency, Policy Schedule, Quote Schedule and more
Beautiful documents associated with quotes, claims and policies can be generated automatically from document templates, merging in fields and values entered during the quote process.
Upload, store and manage additional documents in the agent porta
Send emails or SMS messages to customers, brokers, insurers, underwriters and claims handlers
Emails can contain deep links to specific pages or actions within the portal, for example allowing an underwriter to click a link to review a specific quote for endorsement
Each message is associated with the customer, quote, policy, claim or user and can be viewed in the portal at any time, keeping a full history of communications for compliance purposes
For maximum email deliverability, you can configure DKIM in a few clicks
Users can be created, managed and disabled by those with the relevant permissions
Each user can have a profile picture to easily identify them to others
The system comes with a set of predefined roles, but you can create custom roles and assign them to users
It's easy to see which roles and specific permissions each user has
Passwords must meet strict minimum strength requirements
Passwords can be configured to expire after a set number of days (e.g. 90 days)
User sessions can be configured to expire after a fixed period (e.g. a month), or a period of inactivity (e.g. 15 minutes)
All data is encrypted and handled in accordance with PCI-DSS security standards
Take payments via credit card (all major cards)
Take payments via EFT, direct debit, BPAY
Premium funding via your preferred lender
Customer can pay in monthly or annual instalments
Support for instant payment splitting between insurers, broker and referrers
Record specific data that helps you manage your insurance business
Custom fields can be defined against any object in the system, including quotes, quote versions, policies, policy transactions, claims, claim versions, invoices, credit notes, payments, refunds, products and more
Field values can be set or accessed from within the portal, or during quote or claim sessions, or during automations to extend the functionality of the system further
Interact with live data throughout the quoting process
Send reminders to customers who abandon their quotes, or when renewals are coming up
Schedule reports to be emailed automatically
Integrate with broking systems, CRMs, and accounting platforms, making use of our pre-built integrations - or configure your own
Extend functionality in unique ways with the full power of the platform
Transact globally, and quote in local currencies
Translate quote and claim forms into languages you want to support
Allow customers to switch currencies and languages during the quote process
Use one of our language packs or create another language pack for the portal
Taxes, charges and levies are automatically calculated and applied according to the applicable tax jurisdictions of policies
Accounting records are maintained in association with customers and organisations, including issuing invoices, bills, credit notes, debit notes, credit payments and debit payments
An account transaction history can be viewed within the portal
Payments and refunds are recorded automatically when transacted through the system, and can be manually recorded when transacted outside the system
A powerful dashboard gives you and your affiliates an up to the minute view of performance in terms of quotes, policies and claims
Data is segregated and information is presented according to access controls
Data can be pushed into analytics or business intelligence platforms either in real time or periodically so you can crunch the data any way you like
Custom reports can be designed and built to allow you to manage your insurance operations
Data can be pushed into an Excel template with predefined charts and filtering so you can manage data in ways that you’re used to
Set up distribution agreements between two parties and have the platform control how products are sold, with what limits, commission percentages and more
Specify information sovereignty and sharing
Control the ability to perform functions like endorsements
Grant the authority to distribute the product through schemes and affiliates
Request a free consultation and a member of our team will guide you through the features and capabilities of the platform relevant to your objectives.
uBind is the future of insurance technology. Our innovative platform provides the technology to distribute insurance and sell at scale, with the tools to manage, refine and optimise your insurance operations.