Proova for Insurers – Pre-Verified Evidence. Fewer Disputes. Faster Claims.

Cut Fraud, Reduce Costs, Improve Customer Satisfaction

Proova gives insurers a proven method to stop fraud before it happens, reduce claims handling costs, and deliver faster settlements that keep customers loyal.

What Will Proova Do For You?

Proova delivers measurable improvements in fraud prevention and customer satisfaction. It is not just a tool for policyholders – it is a strategic solution for your claims function.

Mitigate Fraud

Every record is timestamped, geotagged and AI analysed, making fraudulent claims easier to detect and harder to fabricate. Fraudulent attempts are filtered early, saving resources and protecting margins.

Maximise Satisfaction

Policyholders experience fast, fair outcomes. That reduces frustration, increases trust in your brand and boosts renewal rates vital in a competitive market.

Minimise Costs

Evidence captured up front removes the need for lengthy investigations. Claims teams spend less time chasing documents, reducing leakage and lowering the overall cost per claim.


Strengthen Compliance

With transparent, audit ready records, insurers can demonstrate compliance with regulators and industry bodies. Evidence is securely stored, GDPR compliant and easily retrievable for audits or legal disputes.

Why Insurers Need Proova - The Real Cost of Fraud

Fraudulent claims cost the UK industry over £1.1 billion annually (ABI), yet much of the fraud that slips through goes undetected. Investigations consume time and resources, delaying genuine claims. Policyholders suffer from slow payouts and a lack of trust, which is why 14% switch providers after making a claim (Accenture Global Insurance Survey).

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1.

£1.1b In Fraud Detected Annually

Fraudulent claims cost UK insurers over £1.1bn every year (ABI). Proova stops fraud at the source by verifying items up front and re-checking at claim time.


Proves what they had and when they had it.

2.

20% Of Claims Estimated To Involve Fraud

Globally, around one in five claims contain fraud (Forbes Advisor). Proova helps insurers reduce exposure by providing evidence that makes dishonest claims far easier to detect.


Removes exaggeration and after the event claims.

3.

14% Of Customers Switch After A Claim

Slow investigations and disputes cause churn (Accenture Survey). Proova improves retention by giving customers fast, fair outcomes they can trust.


Pay fast, a claim is often the only time a customer touches your customer service.

4.

£900 Extra Cost Per Household

Fraud adds around £900 per year to UK household insurance costs  (Forbes Advisor). Proova reduces these losses by lowering claims leakage, reducing claims admin by up to 90% and minimising unnecessary payouts.


Be more premium competitive or more profitable, it's your choice.

How Proova Adds Value

Proova creates tangible business value across the insurance lifecycle.

Fraud is one of the largest and most consistent drains on insurer profitability, with over £1.1bn in detected cases annually. Proova adds an intelligent layer of defence through AI backed up front KYC, Geo Coding, Serial Number OCR with item verification and metadata capture. Each item is timestamped, geo-tagged and digitally stored, making it far harder for fraudsters to manipulate claims. This reduces fraudulent payouts, strengthens fraud detection strategies and protects your bottom line.

Every additional day a claim remains open increases handling expense. Investigations, document chasing and disputes all drive up the cost per claim. By providing pre verified, claim ready records, Proova shortens the average cycle time significantly. Claims handlers spend less time on admin, leakage is reduced and insurers benefit from lower operating costs without compromising accuracy. Consider this we believe that using Proova will reduce the use of claims adjusters by 50%

Claims handling is the moment of truth for insurers. Research shows that 14% of customers switch providers after making a claim (Accenture). Slow investigations and disputes damage trust, while fast, fair outcomes build loyalty. Proova enables customers to have their claims processed quickly and confidently, improving Net Promoter Scores (NPS) and increasing the likelihood of renewal. Retention improves, reducing acquisition churn costs and protecting long term revenue.

In an increasingly competitive market, reputation is everything. Policyholders expect clarity, fairness and modern digital experiences. By adopting Proova, insurers position themselves as forward thinking, customer first organisations. Every smooth, dispute free claim reinforces trust in your brand, driving stronger word of mouth and giving you a market advantage over slower, less transparent competitors.

Traditional lines become viable

Insurers can use Proova to develop insurance lines that are considered too risky, we have support for motor trade, fleet, self drive hire, gadget and other high risk lines. 


Take the risk out of the product by removing the fraud. 

Pre underwriting Insight

How much time is wasted on surveys trying to judge actual risk? Here is an example from an insurer of hotels: commercial kitchen equipment varies dramatically in quality. Using Proova, their underwriters get real-time visibility of condition, layout and cleanliness – detail that no proposal form can provide.

Apply the same logic to fleet. A picture tells a thousand words, right from your desk.

What You Can Protect With Proova

Your policyholders' valuables take many forms, from personal treasures and professional tools to essential household items. Condition, age and verification all affect the insured amount, the risk of under or overinsurance, and the complexity of replacement. Proova delivers real-time claims information directly to your claims team within minutes of a claim being made. Fewer phone calls, fewer emails, no guesswork. Proova simplifies the process by providing a verified record of every item, giving you reliable evidence to support underwriting and manage claims effectively.

Wristwatch showing the time.

Watches and Jewellery

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Electronics and Tech

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Designer Clothing and Accessories

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Art and Collectibles

Gear and wrench icon.

Business Tools and Equipment

Black and white steering wheel.

Vehicles, Fleet and Self-Drive Hire

Black and white graphic of household appliances including a refrigerator, television, and speakers.

Appliances

Cabinets and overhead storage.

Commercial Catering and Hospitality

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Business Contents

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A Collection of Apollo era Space Memorabilia

Data Levels - What item verification do you get?

Whether your policyholders are protecting a £500 smartphone, a £500,000 art collection, or an entire commercial premises, Proova scales accordingly. Each item is logged with the appropriate level of detail – photos, metadata, receipts and valuations – giving you a trusted, verified record from day one.


Our process adapts to different levels of value:

  • Everyday items – quick verification for phones, tablets and gadgets: serial number capture and AI-verified geocoded images
  • Mid-range assets – detailed capture for watches, jewellery and home valuables: multi-image, serial number and AI-verified geocoded images
  • High-value collections – enhanced reporting for fine art, antiques and luxury goods: multi-image capture, serial number verification, professional valuations and bespoke AI verification using reference images and historic data


By tailoring verification depth to the value of each item, Proova ensures claims are handled with clarity, speed and fairness, avoiding disputes and delays.

The Proova App - How the Process Works (Best with Sound)

Proova transforms evidence capture from a frustrating, manual task into a smooth, fully digital experience. What once took weeks of chasing documents and disputing values now happens in minutes, providing insurers with trusted, claim-ready data from day one.


ID Check
Policyholders confirm their identity through a quick, secure digital process: photo ID verification, address validation and location confirmation. For insurers, this creates confidence that every record is tied to a verified individual. Banking-quality KYC from day one, with geocoded verification and bank account checks. You know who they are, where they are, and that their address matches real-time banking records.


Photograph Items
Customers are guided step-by-step to capture clear, high-quality photos and video of their valuables. The app ensures correct angles and lighting, reducing errors and delivering consistent records that insurers can rely on.


Verification

Each submission is reviewed using AI analysis. Metadata – timestamps, geolocation, serial numbers and purchase documents – is captured automatically, creating a tamper-resistant record of ownership, value and condition.


Secure Vault

Once verified, items are stored in an encrypted, GDPR-compliant vault hosted in the UK. Records can be accessed instantly at claim time, eliminating delays and back-and-forth requests.


The Outcome
This streamlined process supports both policy inception and claim settlement. At the point of claim – whether a crash or break-in – the app enables customers to capture the scene in real-time with video and images. Policyholders get peace of mind, insurers get accurate, audit-ready records, and claims are resolved faster, fairer and at far lower cost.

Tailored To Insurers & Brokers

Every insurer operates differently, which is why Proova is designed to flex around your existing workflows rather than forcing you to change them.


Bulk Upload for Portfolios
Whether you are dealing with high-net-worth policies or large commercial books, Proova supports asset registers and portfolio-level verification. Bulk upload tools make it easy to scale across thousands of items with consistent evidence capture.


Seamless Integrations
Proova connects directly with your claims platforms through secure API integrations. This means claims handlers can access verified records without switching systems, reducing friction and keeping processes efficient.


Dedicated Rollout and Compliance Support
Our team works alongside you during implementation, providing compliance checks, user training and ongoing support. From pilot to full adoption, we ensure smooth rollout and regulatory confidence.


The Result:
 Proova works with your processes, not against them – reducing disruption, delivering faster time-to-value and strengthening the integrity of your claims function.

Why Insurers Choose Proova

Insurers and brokers face constant pressure to balance cost efficiency with customer satisfaction, while maintaining robust fraud controls and meeting regulatory demands. Proova brings all of these priorities together in one streamlined platform, making it a clear choice for forward-thinking insurers.


  • Lower Costs
    Proova shortens underwriting and claim cycles by providing verified, claim ready evidence from the outset. Less time spent on disputes and investigations means lower handling costs and reduced claims leakage across your portfolio.
  • Lower Risk
    Fraudulent and inflated claims are one of the biggest threats to profitability. Proova adds a physical and digital verification layer with AI analysis, time stamps and geo location metadata, making fraud easier to detect and prevent before payouts occur. The system provides active deterrent so fraudulent claims don't occur in the first place.
  • Higher Retention
    Policyholders judge insurers on the claims experience. With Proova, customers can receive fast, fair settlements that strengthen trust and loyalty. A smoother process translates into higher Net Promoter Scores (NPS) and stronger renewal rates with reduced churn.
  • Stronger Compliance
    Every record captured in Proova is secure, audit ready and fully GDPR compliant. Insurers gain a transparent trail of evidence that supports fair decision making, strengthens regulatory confidence and reduces the risk of compliance breaches.


Closing Line:
Proova is more than an efficiency tool, it is a strategic asset that reduces cost, minimises risk and builds lasting customer trust.

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Lower Costs:

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Lower Risk:

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Higher Retention:

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Stronger Compliance:

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FAQs

  • What is Proova and how does it benefit insurers?

    Proova is a digital verification and asset protection platform that helps insurers, their brokers and their policyholders record and verify items before a claim ever occurs – delivering KYC from day one.

    For insurers, it means fewer disputes, faster settlements, happier clients and reduced fraud. It also tackles underinsured claims and after-the-event fraud. By offering Proova, you can deliver a premium, tech-driven service that builds loyalty and differentiates your business, enabling lines you had given up on years ago.

  • How do insurers use Proova?

    Option 1 - You invite your clients to log their items through the Proova app. When they need to claim, verified records are instantly accessible to the insurer.


    Option 2 - Use Proova to reduce the amount of survey visits and use as an underwriting tool, get your client to photograph their fleet or kitchen you get to see what it is where it is and what condition its in. Is it clean or dirty damaged or any other clues that affect risk.


  • Does it work with multiple line of insurance?

    Yes. Proova is set up to manage all lines of insurance including home, fleet, commercial, motor, self-drive hire, motor trade and travel. It can even be used to insure high-value items such as cars, watches or jewellery at point of purchase.

  • How much training is needed?

    Minimal. We provide onboarding and support for your staff and clients, with branded guides and live demos.

  • Is Proova secure and compliant?

    Absolutely. Proova is built around industry leading security standards. All data is encrypted, hosted in the UK and fully compliant with GDPR. Each verification record includes a full audit trail and metadata, providing transparency and meeting insurer and FCA expectations for evidence handling.

  • Can we white label the reports?

    Yes. Insurers can brand everything from verification reports to the whole system with their logo and name to deliver a premium experience to clients.

  • How does Proova improve the claims process?

    Proova provides insurers with verified, claim ready evidence including photos, documents, valuations and location metadata and ID at the point of claim. This drastically reduces the need for lengthy investigations or back and forth communication. Claims are processed faster and with fewer disputes, protecting your client’s experience and your business’ reputation.

  • Can insurers access their clients records?

    Yes. insurers can view client submissions, item logs and verification reports through the Proova dashboard. This transparency allows you to support clients during a claim.