710335Instantview Incident Claim ServiceClosedGRD Proof of ConceptInnovate UKThis project proposes a smartphone-based incident reporting service. The Proof of Concept activity would consider the use of a smartphone to capture detailed information required to process an incident claim in real-time. This would address industry needs to have easy access to better information to reduce the cost of claims and improve customer service. The incident reporting service will provide insurers of the “at fault” motorist First Notification of Loss. They will have better opportunity to reduce the costs of vehicle repairs, hire cars and personal injury. Other benefits include (a) faster claim handling and improved customer satisfaction; (b) integration with back office systems, lower operational costs, fewer staff & less paperwork; (c) reduced churn as motorists should be able to benefit from some reduced premium; (d) more detailed claim information from their customers and across the industry, and opportunity to improve client propositions & pricing. The user’s GPS location, combined with third party data, will automatically provide the location, map, date, time, weather conditions and traffic conditions at the incident scene. Photographs of the vehicles and the use of Automatic Number Plate Recognition would retrieve vehicle details from the DVLA. Postcode lookup services would simplify collection of third party and witness addresses. The user submits the completed information from the smartphone and receives an electronic copy of the incident report. Their insurer will be alerted to the accident and could view the incident report, accident photographs and location of the incident via a secure server and web service. The insurer may then organise recovery services, car-hire or emergency services based on the user’s location. The incident location may also be shared with motoring and media organisations so that other motorists can be made aware of potential delays or road closures.