The insurer with a good app retains more policyholders than the one with a better policy.
We build custom mobile apps for insurance companies and insurtechs — policy management, claims filing, telematics integrations, and agent tools that reduce churn and cut claims admin cost. Fixed scope, fixed price.
Your policyholders don't engage with your brand between renewals unless they're filing a claim. An app that provides value between claims — policy access, roadside assistance, risk tools — changes that engagement pattern and reduces lapse rates.
Insurance companies have the engagement problem in its most acute form: policyholders interact with their insurer on average once or twice per year — once at renewal, and once when they file a claim. The first touchpoint (renewal) is price-driven. The second (claims) is emotionally negative. Between those two interactions, the policyholder has zero reason to open an insurer's app, log into a portal, or think about their coverage at all.
The result is a default commoditised relationship. At renewal time, the policyholder shops on price because the prior year produced no loyalty. Retention suffers and acquisition cost stays high to replace the lapsed policies.
The insurers who break this pattern do it by creating engagement reasons between renewals. Telematics-based driving score apps that reward safe driving. Home maintenance checklists that reduce claims frequency and make the policyholder feel like the insurer is on their side. Roadside assistance requests that make the policy feel valuable the moment it's needed. These aren't gimmicks — they're engagement mechanics that build the loyalty that survives a $20/month renewal increase.
On the claims side, the mobile app is the fastest path to First Notice of Loss (FNOL) with the quality of information adjusters actually need. A policyholder who files FNOL from the scene with timestamped photos, GPS location, and a structured incident description cuts the average claim handling time by a third compared to a phone-call FNOL with a manual notes entry.
A policyholder mobile app where customers access their documents, file first notice of loss, track their claim, and reach their agent — with the engagement touchpoints between renewals that reduce lapse and improve NPS.
Digital policy wallet
ID cards, certificates of insurance, policy documents, and coverage summaries — accessible offline, downloadable as PDF, and shareable directly from the app.
First Notice of Loss (FNOL) with guided photo capture
Structured incident reporting flow with GPS location, timestamped photos, witness information, and police report reference. Submitted directly to the claims management system.
Claims tracking
After FNOL is submitted, the policyholder sees their claim status, assigned adjuster contact, and next steps in a timeline — without calling to ask.
Telematics and driving score
Integration with the phone's motion sensors and GPS to score trips on speed, braking, and phone use. Safe-driver rewards, discount eligibility indicators, and trip history.
Agent contact and document requests
Direct connection to the assigned agent, policy change requests, and the ability to upload supporting documents (receipts, appraisals) for active claims. Built with Expo and React Native, Convex for claims tracking real-time updates, encrypted document storage, and integration with your CMS/claims management system (Guidewire, Majesco, or custom).
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
A policyholder mobile app where customers access their documents, file first notice of loss, track their claim, and reach their agent — with the engagement touchpoints between renewals that reduce lapse and improve NPS.
Three steps, every time.
The same repeatable engagement on every project. No surprises, no mystery, no billable ambiguity.
Brief & discovery.
We send you questions, then get on a call. Output: a written scope with every step, feature, and integration listed.
Build & ship.
Fixed schedule, weekly reviews. No scope creep unless you change the scope — and if you do, we reprice it transparently.
Warranty & retainer.
30-day warranty on every launch. Most clients stay on a monthly retainer for ongoing features and maintenance.
Why Fixed-Price Matters Here
Insurance technology projects go through IT governance, compliance review, and vendor security assessments that consume months before a line of code is written. A fixed-scope, fixed-price contract simplifies procurement, gives finance the number they need for budget approval, and gives IT a defined security review surface — rather than an open-ended engagement that changes after contracting.
Related engagements.
Insurance workflows run on paper, PDFs, and email. Not for much longer.
Read more02Insurance SaaS wins by being more compliant and more usable than Guidewire.
Read more03Insurance operations dashboards that give underwriters, agents, and leadership the data they act on — without running reports.
Read moreQuestions, answered.
We integrate with your existing CMS via API (REST or SOAP, depending on the platform). Guidewire, Majesco, Duck Creek, and custom systems all have integration paths. FNOL data submitted in the app flows directly into the claim record — no manual re-entry.
Telematics programs require explicit user consent for location and motion data collection. We build the consent flow, the opt-in/opt-out controls, and the data retention policies to match your state regulatory requirements. The data storage is separate from policy data and governed by the user's consent.
Yes — policyholders with multiple policies under one account see all of them, with line-specific claim flows and document types per coverage.
A policyholder app with digital policy wallet, FNOL, claims tracking, and agent connection typically runs $60k–$120k. Telematics and CMS integration are the main scope variables. Fixed-price.
14 to 18 weeks, including CMS integration testing and App Store submissions.
Tell Ryel about your project.
Describe what you’re building and what outcome you need. You’ll have a written, fixed-price scope within the week.