Understanding the customer journey at a mutual insurer
Case study
A claim is the moment an insurer keeps its promise, and the moment customers remember. We help insurers redesign claims, renewals and servicing so that customers get clear answers quickly and frontline teams spend their time on the cases that need judgement.
Insurance operations are under pressure from several directions at once. Pricing rules have changed how renewals work, outcome-based regulation asks insurers to prove that customers are treated fairly, and extreme weather brings sudden surges in claims. Many insurers still run separate systems for each product line, so a customer with home and motor cover may meet two quite different organisations.
Our work usually starts with the claims journey. We follow real claims from first notification to settlement, measuring every contact, handoff and wait. The pattern is familiar: customers call to chase progress, suppliers wait for authority, and simple claims queue behind complex ones. We help insurers separate claims by complexity, give frontline handlers the authority to settle more on the first call, and rewrite the letters and messages that generate most follow-up contact. Renewals, mid-term changes and complaints get the same treatment.
We also help insurers plan for peaks. A surge model that links weather forecasts to staffing and supplier capacity can make the difference between a difficult week and a lost quarter. Clients typically see claims cycle times fall by 30 to 50 per cent on redesigned journeys, repeat contact fall by a quarter or more, and a clear improvement in complaint numbers within a year.
“Halveron showed us that most of our claims calls were customers asking where their claim had got to. Once we told them first, the calls stopped.”
Claims Director, a mutual insurer
Tell us about the claims, renewals or service challenge you face, and our insurance team will be in touch.
White paper
Most service firms treat regulation as a cost to contain. This paper argues that outcome-based rules give operations leaders a strong case for simpler processes and less rework.
Download white paper: How to make regulation work for you
News
Operations and customer leaders spent a day at the Future of Service Conference 2026. Here is what they told us about demand, staffing and the limits of automation.
Read full article: What we heard at the Future of Service Conference 2026
In brief
Failure demand is the work customers create when we fail to do something, or do it wrong. In most service operations it is a large cost, and a controllable one.
Read full article: Failure demand on one page