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.

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.

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.

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, 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

FAQs

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  • 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.