Cut Fraud, Cut Costs, Keep Customers

Proova gives insurers a simple way 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 outcomes for insurers. It is not just a tool for policyholders, it is a strategic solution for your claims function.

Mitigate Fruad

Every record is time stamped, geo tagged and AI analysed, making fraudulent claims easier to detect and harder to disguise. 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).

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.

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.

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.

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 and minimising unnecessary pay outs.

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 verification and metadata capture. Each item is time stamped, 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.

Climb higher

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.

Explore nature

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 costs and protecting long term revenue.

Challenge yourself

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.

What You Can Protect With Proova

Your valuables come in many forms: personal treasures, professional tools and household essentials. Proova makes it simple to secure a verified record of them all, so you always have trusted evidence if you need to make a claim.

Watches and jewellery

Electronics and tech

Designer clothing and accessories

Art and collectibles

Business tools and equipment

Coverage Levels - How Much Can You Insure?

Whether you’re protecting a £500 smartphone or a £500,000 art piece, Proova scales with your needs. Each item is logged with the right level of detail; photos, metadata, receipts and valuations so that both you and your insurer have a trusted record.


Our process adapts to different levels of value:

  • Everyday items – quick verification for phones, tablets and gadgets
  • Mid range assets – detailed capture for watches, jewellery and home valuables
  • High value collections – enhanced reporting and professional valuations for fine art, antiques or luxury goods


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

View sample verification report

The Proova App - How the Proecess Works

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 with a quick, secure digital ID process. This includes photo ID verification, address validation and location confirmation. For insurers, it creates confidence that every record is tied to a verified individual.


Photograph Items
Customers are guided step by step to capture clear, high quality photos 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 a combination of AI analysis and human oversight. Metadata such as time stamps, geo location and purchase documents are added, 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 by insurers at claim time, eliminating delays and back and forth requests.


The Outcome
This streamlined process supports both policy inception and claim settlement. Policyholders get peace of mind, insurers get accurate, audit ready records and claims are resolved faster, fairer and with far less cost.

Tailored To Insurers

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 by reducing disruption, delivering faster time to value and strengthening the integrity of your claims function.

Why Insurers Choose Proova

Insurers 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 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 digital verification layer with AI analysis, time stamps and geo location metadata, making fraud easier to detect and prevent before payouts occur.
  • Higher Retention
    Policyholders judge insurers on the claims experience. With Proova, customers receive fast, fair settlements that strengthen trust and loyalty. A smoother process translates into higher Net Promoter Scores (NPS) and stronger renewal rates.
  • 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.

Lower Costs:

Lower Risk:

Higher Retention:

Stronger Compliance:

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FAQs

  • How secure is the data?

    All records are fully encrypted in transit and at rest, hosted securely in the UK, and managed in compliance with GDPR. Proova follows strict security protocols and regularly reviews its processes to meet FCA expectations on data handling.

  • Does Proova integrate with claims systems?

    Yes. Proova is built with flexibility in mind. Records can be accessed directly through our platform or connected to your existing claims system via API. This means no disruption to your current workflow and minimal training for your team.

  • How does Proova reduce fraud?

    Fraud is deterred from the outset because items are logged at policy inception. Each record is supported by photographs, receipts, geo-location and time stamps, which are then checked with AI and metadata analysis. This creates tamper resistant evidence that makes fraudulent claims far easier to detect and defend against.

  • Will customers adopt it?

    Yes. The app is simple and intuitive, guiding policyholders through step by step photo capture and document upload. Early pilots show strong adoption rates because customers recognise the benefit faster claims and less back-and-forth.

  • Which insurance lines does it cover?

    Proova is versatile and supports most personal and commercial lines, including home, motor, travel, gadget, jewellery and commercial assets. The system scales from everyday items like smartphones to high value assets such as art or specialist business equipment.

  • Does it add friction at policy inception?

    No. The verification process is designed to take just minutes and can be done directly in the app. Policyholders complete it once, and the evidence is stored securely for future claims. This reduces overall friction by preventing delays later.

  • How does Proova help with compliance and audits?

    All records are audit ready, with full metadata trails and secure storage. This means insurers can demonstrate fair decision making to regulators and easily provide evidence if claims are challenged.

  • What is the cost model for insurers?

    Proova works on a low per check fee (£2–£5 per verification) with licensing options for wider adoption. This ensures costs are predictable and scale proportionally with claims volume, making it easy to demonstrate ROI through reduced fraud and faster claims.