KenalKenal Claims
Settle claims fast, and pay only for the damage that was done.
Policyholders file their own claims from a phone. Kenal Claims checks who they are, reads the photos and documents, and compares every item claimed with what the evidence shows. Legitimate claims go straight through; over-claims are caught before payout.
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What Kenal Claims is
Kenal Claims is a self-service insurance claims service that lets policyholders file with photos and documents, checks the claimant's identity and assesses the claim against the evidence before it reaches an assessor.
Claims teams spend most of their time collecting documents and checking them by hand, while honest claimants wait. Kenal Claims does the collecting and the first assessment, so your people decide on the claims that genuinely need them.
Better for everyone in the claim
- Insurers and takaful operators
- Legitimate claims settle straight through, assessors spend their time on the claims that need judgement, and over-claims are caught before the money leaves.
- Claimants
- File from a phone in minutes, see exactly what is needed, and follow the claim to payout without phone calls or paperwork.
- Agents
- Stop chasing documents for customers. The claim collects its own evidence, and you can see where every claim stands.
How it works
From first photo to payout in three steps.
The claimant files from their phone
A guided flow collects the incident details, photos and supporting documents, and checks each upload as it arrives, so the claim is complete the first time.
Every item is assessed against the evidence
Kenal Claims confirms the policy and identity, then compares each item claimed with what the photos and documents show. It recommends a payout and flags anything the evidence does not support.
Straight through, or to an assessor
Clean claims are approved on your rules and the claimant sees the payout on the way. The rest reach an assessor with the findings, the evidence and a recommended amount already prepared.
What you get
A recommended payout
Claimed, evidenced and assessed amounts side by side for every item.
Flags with next steps
What the evidence does not support, and what to ask for to resolve it.
A complete evidence pack
Photos, documents, identity and policy checks in one place for each claim.
Straight-through settlement
Legitimate claims approved on your rules, without waiting in a queue.
A self-service claimant journey
Filing and status tracking from a phone, with no paperwork.
An audit trail
Every check, decision and change recorded for review and complaints handling.
What it checks
The claimant
- Claimant identity confirmed
- Policy and cover confirmed
- Incident date within the period of cover
The evidence
- Documents and photos checked for consistency
- Documents read and cross-checked
- Signs of editing or tampering
- Missing evidence requested automatically
The amount
- Each item compared with what the evidence shows
- Unsupported amounts flagged
- Recommended payout per claim
Your controls
- Straight-through rules and thresholds
- Assessor review queue
- Your approval chain
- Configurable per line of business
Compliance and security
Claims decisions affect customers directly. Kenal Claims keeps a person in charge where it matters and records everything.
- Designed with fair treatment of claimants in mind: every flag comes with its reason and a clear next step.
- Assessors stay in control of any claim outside your straight-through rules.
- A full audit trail of evidence, checks and decisions supports complaints handling and review.
- Your data policies set where claim evidence is kept.
Questions buyers ask
How does Kenal Claims assess a claim against the evidence?
Kenal Claims compares what is claimed with what the photos and documents support, item by item. For a motor claim, each repair line is checked against the damage visible in the photos, then an assessed amount is recommended. Items the evidence does not show are flagged with a suggested next step, such as requesting an extra photo.
Which claims go straight through without an assessor?
Claims that pass every check can go straight through, on the rules you set. Kenal Claims confirms the policy, the claimant's identity, that the incident falls within cover and that the evidence is consistent. You decide the thresholds for straight-through settlement, and anything outside them is routed to an assessor with the findings already laid out.
How does Kenal Claims catch over-claims and fraud?
Kenal Claims catches over-claims by refusing to pay for what the evidence does not show. Line items the photos do not show, amounts above what the evidence supports and documents that look edited or inconsistent are all flagged before payout. Every claim is checked the same way, so a staged or inflated claim stands out and your assessors can focus on the ones that need judgement.
What do claimants need to file a claim?
Claimants need only a phone and the details of their policy. Kenal Claims guides them step by step through the incident, photos and supporting documents such as a police report or workshop quotation, checking each upload as it arrives. They can then follow the claim's status from submission to approval and payout.
Which types of insurance does Kenal Claims handle?
Kenal Claims is live in production and suits claims that turn on photos and documents, such as motor. Each line of business is set up with its own evidence requirements, checks and rules, so general insurers and takaful operators can work with our team to bring it to the products where it will save the most time.
Can Kenal Claims fit into our existing claims system?
Yes, Kenal Claims works alongside your core claims system. It handles the claimant-facing submission and the evidence assessment, and gives your assessors the claim, the recommended payout and the full evidence pack. Our team will work with yours on how it connects to your existing claims and payment processes.
See a claim assessed against the evidence
Tell us which lines of business you want to speed up. We will walk you through a live claim from submission to payout.