Insurance Companies

Quoting & New Business

The quoting experience is the first impression - and often the last, if it’s too slow or asks the customer for information they don’t have. A rego lookup that pre-fills the form and delivers an accurate quote in seconds is a competitive advantage.

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• Pre-fill quote forms with verified vehicle details from a single rego lookup - reduce the number of fields customers need to complete

• Identify the exact variant, not just the model - so the premium reflects the actual vehicle, not a broad approximation

• Flag write-off and stolen status at the point of quote - decline or adjust before binding, not after a claim

• Retrieve EV battery capacity and charging data to price electric vehicle policies with the specificity they require

• Reduce form abandonment and improve conversion by replacing manual data entry with instant vehicle identification

Underwriting & Risk Assessment

Accurate underwriting depends on knowing exactly what the vehicle is, what risk factors exist, and whether the information on the application matches reality.

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• Verify vehicle identity against NEVDIS to confirm the asset matches the application

• Cross-check VIN against official records to detect cloning, re-birthing, or identity fraud

• Run stolen and write-off checks to identify vehicles with compromised histories before accepting the risk

• Access detailed specifications to classify vehicles accurately within your pricing tiers

• Use registration locality to apply geographic risk factors and validate the customer’s declared location

• Factor ADAS presence into risk models - vehicles with autonomous emergency braking have demonstrably different accident rates

Claims Assessment & Settlement

When a claim arrives, the accuracy of the vehicle data on the policy determines how quickly and accurately you can assess it. Gaps in that data create delays, disputes, and overpayments.

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• Verify vehicle identity at first notice of loss - confirm the vehicle presented matches the vehicle on the policy

• Check PPSR for existing security interests before settling total loss claims - if a secured party is registered, payout obligations may change

• Access ADAS data to validate repair scope and calibration charges - know what safety systems the vehicle has before authorising the repair

• Retrieve OEM paint codes for accurate repair cost estimation and quality assurance

• Use valuation data to support total loss determinations and salvage value assessments

• Check warranty status to determine whether the repair should be covered under manufacturer warranty before the insurance claim is processed

Total Loss, Salvage & Recovery

Total loss events require precise data: what the vehicle is worth, who has a financial interest in it, and whether the identity has been compromised.

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• Confirm vehicle identity and specifications for accurate market value assessment

• Run PPSR checks to identify secured parties before releasing payouts

• Verify write-off classification - statutory vs repairable - to determine salvage and WOVR notification requirements

• Access build dates and specifications to support depreciation and residual value calculations

• Use registration locality to coordinate recovery logistics and state-based compliance

CTP Insurance & Renewals

Compulsory Third Party insurance is directly tied to vehicle registration. Accurate, current registration data keeps your book aligned and your renewals timely.

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• Confirm registration status and expiry date to align CTP coverage with the vehicle’s registration lifecycle

• Verify vehicle class and jurisdiction for accurate CTP pricing and compliance

• Detect registration lapses that may indicate uninsured exposure in your portfolio

• Support renewal workflows with up-to-date vehicle details that don’t require customer re-entry

• Batch-check registration status across your entire book to identify vehicles with lapsed or cancelled registration

Fraud Detection & Prevention

Vehicle fraud costs the Australian insurance industry hundreds of millions each year. The patterns are well-known - and the data to catch them is available in real time.

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• Flag stolen vehicles at the point of quote or claim - before a policy is issued or a payout is made

• Detect VIN mismatches that indicate cloning or re-birthing - the VIN on the vehicle doesn’t match the VIN registered with NEVDIS

• Identify disguised write-offs - statutory write-offs that have been cosmetically repaired and presented as clean vehicles

• Cross-check registration locality against the claimed location to detect geographic inconsistencies

• Maintain structured, timestamped data records that support investigations and regulatory reporting

Fleet & Commercial Vehicle Insurance

Insuring commercial fleets involves vehicle populations that are larger, more diverse, and harder to verify than personal lines. InfoAgent data scales to meet that challenge.

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• Onboard fleet vehicles with verified specs and risk data from a single lookup per vehicle

• Run batch risk screens across entire fleet portfolios at inception, renewal, or on a scheduled basis

• Access GVM, GCM, and axle configuration data for accurate heavy vehicle pricing

• Track ADAS features across a fleet to assess collective safety profile and adjust pricing accordingly

• Retrieve EV and charging data for fleet policies covering electric and hybrid vehicles

• Monitor registration status across multi-state fleet operations to identify lapsed or cancelled coverage