The best claims management software depends on who is handling the claims. Enterprise suites such as Guidewire ClaimCenter and Duck Creek Claims are built for large insurers. MGAs need claims tied to their binding authorities and bordereaux. Brokers mostly track claims inside their broker platform. Genasys runs claims, policy and billing on one platform for all three.
The short answer
- Large property and casualty insurers: Guidewire ClaimCenter or Duck Creek Claims.
- Multi-line carriers with US operations: Majesco or Insurity.
- MGAs and TPAs wanting a standalone claims tool: Origami Risk or Claimable.
- Brokers tracking claims for clients: the claims functions in Acturis or SSP.
- Insurers, MGAs and delegated authority brokers, including the London Market, wanting claims, policy and billing on one platform: Genasys.
Every vendor fact below was checked against the vendor's own website in November 2026. We do not link to competitors, so confirm the details with each vendor directly. If you are earlier in the process and want to understand what claims management software does across the claims lifecycle, start with our guide on how to choose a claims management system.
See how Genasys works as claims management software
At a glance: comparison table
The table is a map of where each option sits, not a ranking. The right choice depends on whether you carry the risk, handle claims under delegated authority or mainly track claims for clients.
| Software | Built for | What it says it does well | Check for a UK buyer |
|---|---|---|---|
| Guidewire ClaimCenter | Property and casualty insurers | Question-led claim intake linked to the policy; AI guidance for adjusters; more than 270 ClaimCenter customers in over 30 countries | Scale and cost against the size of your claims book |
| Duck Creek Claims | Property and casualty insurers | Rules-based routing by coverage type, expertise and workload; configurable authorisation thresholds for reserves and payments | UK references for your lines of business |
| Majesco Claims | Property and casualty insurers; a separate CoreConnect Claims product for MGAs and MGUs | One configurable workspace for adjusters; FNOL and first report of injury intake | UK references on the claims product |
| Insurity Claims | Multi-line property and casualty carriers | Business users change rules and letters without code; more than 50 third-party integrations (April 2024) | UK customers and where support is based |
| Origami Risk | Carriers, MGAs, TPAs and risk pools | AI-enabled triage to route claims to adjusters; fraud and special investigations referral tracking | UK references for your lines of business |
| Claimable | Insurers, MGAs, TPAs and brokers, plus businesses outside insurance | Documents, notes and photos stored against each claim; bordereaux exports and claims KPIs; published per-user pricing | How it connects to your policy system |
| Acturis | Brokers, also insurers and MGAs | Claims linked to the policy inside its platform; an insurer claims data feed from Aviva | Whether you need claims tracking or full claims handling |
| SSP | UK brokers, insurers and MGAs | Claim tracking and reports for brokers | Which SSP product covers your claims |
| Genasys | Insurers, MGAs and brokers with delegated authority, including the London Market | Claims, policy administration and billing on one record; no-code claims workflows; 450+ documented API endpoints | Test it on your most complex claim type |
Best for insurers
An insurer carries the risk, so its claims system holds the reserves, the payments and the authority controls that decide what gets paid. It is usually the largest claims operation of the three, with in-house handlers, loss adjusters, fraud teams and supplier networks.
Guidewire ClaimCenter
ClaimCenter is part of Guidewire's InsuranceSuite for property and casualty insurers, and Guidewire says it has more than 270 ClaimCenter customers in over 30 countries. Its stated capabilities include question-led claim intake linked to policy search and AI guidance for adjusters through ProNavigator. In August 2024 RSA, now Intact Insurance in the UK, announced that it was the first UK insurer to implement Guidewire's cloud solution for claims, starting with commercial property.
- Suited to: large insurers that want a widely used claims suite with a big partner network.
- Check: cost and programme length against the size of your claims book.
Duck Creek Claims
Duck Creek Claims sits in Duck Creek's core products alongside policy, rating and billing, delivered as SaaS. Duck Creek describes rules-based routing by coverage type, expertise and real-time workload, and configurable authorisation thresholds for reserves and payments. The lines of business its site lists include personal and commercial auto, homeowners, workers' compensation, specialty and embedded insurance. In June 2026 Duck Creek said it supports insurers in markets including the UK and Ireland, and that it plans to seek Lloyd's market certification.
- Suited to: insurers that want claims, policy and billing from one SaaS suite.
- Check: UK references for your lines of business.
Majesco
Majesco's Claims for P&C gives adjusters and supervisors a configurable workspace, with first notice of loss and first report of injury workflows. A separate product, Majesco CoreConnect Claims, is the one Majesco positions for MGAs and MGUs. Majesco has UK customers on other products, including Aviva UK on Majesco Loss Control.
- Suited to: property and casualty carriers, and MGAs through CoreConnect.
- Check: which claims product a proposal is based on, and UK references for it.
Insurity
Insurity sells a claims solution for multi-line carriers. It says business users can change rules and correspondence without coding, and in April 2024 it said the system integrates with more than 50 third-party services. Insurity cites 22 of the top 25 US property and casualty carriers among its customers.
- Suited to: multi-line carriers, particularly in the US market.
- Check: UK customers and where support is based.
Genasys
Genasys runs claims on the same cloud-based platform as policy administration and billing, so a handler opening a claim sees the customer, the policy that responds, the premium status and every payment and recovery in one record. Celent named Genasys a Technology Standout in its 2024 report on EMEA property and casualty claims systems, which profiled 29 core claims solutions. SAHL Insurance has run claims on Genasys since 2016.
- Suited to: insurers that want claims and the policy record in one place, rather than a standalone claims system integrated to a separate policy system.
- Check: test it on your most complex claim type.
Best for MGAs
An MGA's claims needs depend on its authority. Some hand claims to the capacity provider or a third-party administrator; others hold a claims authority and handle claims themselves. Either way, claims data has to flow back to each capacity provider in the claims bordereaux, so the link between claims and policy data matters more than the depth of the claims workflow alone.
Origami Risk
Origami Risk offers a claims administration product for carriers, MGAs, TPAs and risk pools. It says its AI-enabled triage routes each claim to the right adjuster, and it tracks fraud and special investigation unit referrals.
Claimable
Claimable is a UK claims management tool, founded in 2009, used by insurers, MGAs, TPAs and brokers and by businesses outside insurance. It stores documents, notes, emails and photos against each claim, with unlimited storage on its top plan, and offers bordereaux exports in CSV or XLSX, including scheduled exports. It publishes per-user pricing, from £59 per user a month excluding VAT on its entry plan.
Check for both, and for Majesco CoreConnect Claims: how a standalone claims tool connects to your policy system, binding authorities and bordereaux, and who maintains that link.
Genasys
Genasys is built for delegated authority. Claims sit on the same platform as the MGA's policies, so each claim is already linked to the policy, the binding authority and the capacity provider. Claims bordereaux are generated and reconciled from the same data as risk and premium bordereaux, and claims workflows, triage and authority limits are configured with no-code tools, so an MGA can start simple and take on more as its claims authority grows. The same platform serves MGAs and coverholders in the London Market. Read more about Genasys software for MGAs, or compare platforms in the best MGA software in 2026.
Best for brokers
Most brokers do not settle claims; the insurer does. A broker's claims job is to notify the claim, advocate for the client and keep track of progress, and claims functions inside the broker's own platform are often enough.
Acturis
Acturis includes claims handling within its platform for brokers, insurers and MGAs. Each claim is linked to its policy and can be segmented by claim type, delegated authority or contact. In December 2024 Acturis and Aviva announced a broker API that sends Aviva claim records and updates into the broker's Acturis system, from notification to closure, for personal and commercial motor, property and liability claims, with rollout to brokers from the first quarter of 2025. Separately, Acturis Group owns ICE-Tech, which sells a platform covering policy and claims to insurers, MGAs and TPAs.
SSP
SSP serves UK brokers, insurers and MGAs, and its broker platform lets brokers track claims and produce reports.
Genasys, for brokers with delegated authority
A broker that underwrites its own schemes or binders under delegated authority, and especially one that holds a claims authority, needs to handle claims on the products it underwrites, report them to the insurer and control payments. That is the job of a policy administration and claims system rather than a broker management system. Genasys is for brokers in that position. It is not a broker management system for placing risks with insurers, and it works alongside one. Guardrisk, which gives brokers a portal on Genasys, says brokers can monitor the status of a claim without contacting its staff.
What to look for
Every claims system on a shortlist will show a clean FNOL screen in a demo. These seven checks are where the options actually differ.
Seven checks before you choose claims software
Tests to run in the demo:
- Register a claim on a policy with premium outstanding, and see what the system does.
- Ask a claims manager, not the vendor's consultant, to change a triage rule.
- Follow a settlement above a handler's authority through approval to payment, then read the audit trail.
- Record a third-party recovery and check the net cost updates on the claim.
- Produce a claims bordereau for one capacity provider.
- Ask for the API documentation and a list of integrations already live with UK customers.
These checks matter to regulators too. In July 2025 the FCA published a review of claims handling at 23 home and travel insurers. All of them outsourced some claims activity, and the FCA found claims management information that was weak and too focused on finance, and firms that identified vulnerable customers but did not flag them on their claims systems.1 Genasys runs on Microsoft Azure, hosted in the UK and South Africa.
How much it costs and how long it takes
Claimable publishes per-user pricing, from £59 per user a month excluding VAT on its entry plan. The other vendors in this comparison do not publish prices for their claims systems, and we found no current, published analyst benchmark for claims software cost or implementation time. Ask each vendor for a quote and a plan based on your own claims volumes and lines.
What drives the cost:
- Licence or subscription, usually scaled by users, claims volumes or premium.
- Implementation: configuring workflows, integrating policy, finance and third-party services, and migrating open claims.
- Running costs: hosting, support and any changes you need the vendor to make.
- Change over the system's life: a system your own team configures without code costs less to change than one where every workflow change is a project.
How long it takes. Published examples show how widely timelines vary. Origami Risk publishes a case study of a US insurer replacing its legacy claims system across 10 states and 10 lines of business in 14 months. SSP says it expects full implementations of its Pure insurer platform to take three to five months, though that is a whole platform rather than a claims system alone. The main factors are the number of lines and claim types, the number of integrations and how much open-claims data has to be migrated.
Where claims run on the same platform as policy administration, there is no separate integration between the two to build, which removes one of the larger pieces of work. Genasys configures claims workflows with you during implementation, and your team can keep refining them after go-live. On the policy side, Genasys delivered Arma Karma's policy administration platform in one week.
Show References Hide References
- FCA. Home and travel claims handling arrangements: good and poor practice. 22 July 2025.
Frequently Asked Questions
The essentials on comparing claims management software for UK insurers, MGAs and brokers.
What is the best claims management software in the UK?
There is no single best claims management software for every UK business, because insurers, MGAs and brokers do different claims jobs. Insurers carry the risk and need deep workflow, reserving, authority and payment controls; the enterprise suites from Guidewire and Duck Creek are built for that. MGAs need claims linked to the binding authority and capacity provider behind each policy, with claims bordereaux produced from the same data. Brokers mostly notify and track claims for clients, which their broker platform often handles. The best choice is the system built for the claims job you actually do, at a cost and scale that fits your book.
For UK buyers, three checks narrow a shortlist quickly. First, ask for UK customers on the same product and lines of business, and where the data is hosted and support is based. Second, ask how the claims system connects to the policy record, because registration and validation depend on cover and premium status. Third, ask who can change workflows after go-live. Genasys runs claims management, policy administration and billing on one cloud-based platform hosted on Microsoft Azure in the UK and South Africa, serving insurers, MGAs and brokers including in the London Market, and Celent named it a Technology Standout in its 2024 report on EMEA property and casualty claims systems.
How much does claims management software cost?
Apart from Claimable, which publishes per-user pricing from £59 per user a month excluding VAT, the vendors compared here do not publish prices for their claims systems, and we found no current published benchmark, so the reliable figure is a quote based on your own business. Pricing for claims software is usually a subscription or licence that scales with the number of users, the volume of claims or the premium written, plus a one-off implementation fee. Implementation covers configuring workflows, building integrations to policy, finance and third-party services and migrating open claims from the old system. Hosting and support are often included in a SaaS subscription and charged separately for systems you host yourself.
The figure to compare is the total cost over five years rather than the first-year fee. Two things move it most. One is integration: a standalone claims system has to be connected to a separate policy system and kept in step, while a claims system on the same platform as policy administration needs no such link. The other is change: if every new workflow, letter or triage rule needs the vendor's developers, the cost of running the system keeps rising after go-live. Genasys configures claims workflows with no-code tools, and your team can keep refining them after go-live without a development project. Ask each vendor to price the same scope, including integrations and migration.
How long does it take to implement a claims management system?
Implementation time for claims software varies from a few months to well over a year, depending on scope. The published examples we found illustrate the range rather than set a benchmark: Origami Risk publishes a case study of a US insurer replacing its legacy claims system across 10 states and 10 lines of business in 14 months, and SSP says it expects full implementations of its Pure insurer platform to take three to five months. The biggest factors are the number of lines of business and claim types, the number of integrations and how much open-claims data must move from the old system.
Phasing reduces risk. Many insurers start with one line of business, run old and new systems side by side and move further lines once the first is stable; RSA, now Intact Insurance, described starting its move to Guidewire's cloud claims solution with commercial property. Running claims on the same platform as the policies also shortens the work, because there is no separate policy integration to build and test. Genasys sets up claims workflows with you during implementation, and on the policy side delivered Arma Karma's policy administration platform in one week. Ask any vendor for a named customer of your size and what their implementation involved.
What claims software do MGAs need?
An MGA's claims software needs depend on its claims authority. An MGA that passes claims to its capacity provider or a third-party administrator still needs to see claims against the policies it wrote, to manage its loss ratio and support renewals of its binding authority. An MGA with its own claims authority needs a full claims workflow: FNOL, triage, reserving, authority limits, settlement and recovery. In both cases, claims data has to flow back to each capacity provider in the claims bordereaux, accurately and on time, which is easiest when claims and policies sit on the same platform and each claim already knows which binding authority it belongs to.
Some claims tools name MGAs among their users, including Origami Risk, Claimable and Majesco through its CoreConnect Claims product. The question for an MGA is how a separate claims tool would connect to its policy system, binding authorities and bordereaux and who maintains that link. Genasys is built for delegated authority, including MGAs and coverholders in the London Market, with claims, policy administration and billing on one platform: claims bordereaux are generated and reconciled from the same data as risk and premium bordereaux, and claims workflows are configured with no-code tools so an MGA can start simple and add more as its claims authority grows. Read more about Genasys software for MGAs.
Should claims software be part of the policy administration system?
It does not have to be, but there are clear benefits when it is. A claim depends on the policy: registration checks cover, the risk and premium status at the date of loss, and the handler needs the customer's history and documents. When claims run in a standalone system, that information has to be passed across by integration and kept in step, and handlers often switch between systems to find it. When claims run on the same platform as policy administration and billing, there is one record of customer, policy, claim and financials, and nothing to reconcile.
Large insurers with established policy systems sometimes choose a standalone claims suite and integrate it, which works when they have the IT resources to maintain the integration. For MGAs, brokers with delegated authority and insurers replacing more than one legacy system, a single platform usually means less integration work and simpler reporting. In Genasys, claims sit in the same platform as policy administration and billing, so a handler opening a claim sees the customer, the policy that responds, the risk and every payment and recovery against it. Our guide on how to choose a claims management system covers the trade-offs in more depth.
Explore our claims management system
Genasys is cloud-based claims management software built for insurers, MGAs and brokers. It handles the full claims lifecycle from FNOL to settlement and recovery, with policy administration and billing in one platform and no-code tools to configure workflows.
Insurers
MGAs
Brokers