Services · Mobile app development · Insurance apps
Codeeo offers insurance app development Edinburgh brokers, MGAs and insurers can put in front of policyholders and staff on the same day it goes live. Quotes, policy documents, renewals and claims sit in one app, with the handler and underwriter tools behind it. Because Scotland has its own legal system, a claim from a Marchmont tenement flat or a commuter's car on the A720 bypass is routed through the process that actually applies to it.
We have no office in Scotland. Our team of 80+ is based across Dubai, Riyadh and Karachi and works remotely with Edinburgh clients, so discovery, design reviews and demos all happen by video call. What you receive is a working product and the records behind it.
200+ companies servedFrom a first store to an ADX listed developer
What we build
Edinburgh insurance work has a character of its own. Much of the city lives in shared tenement buildings, where each flat owner carries a statutory duty to insure. Personal injury claims from Scottish roads sit outside the whiplash portal used in England and Wales. Every August the city fills with performers, hosts and visitors who need cover that starts and ends fast. Firms around the Exchange District, along with the back offices out at Edinburgh Park and South Gyle, also answer to the same FCA rules as anyone in London.
Insurance mobile app development Edinburgh firms ask us for usually mixes personal lines self service with tools for the handlers behind it. The features below are the ones we most often scope for Edinburgh clients. We pick the set that suits your book of business, then build the customer app, the staff tools and the integrations together, so a policyholder action always lands with someone who can deal with it.
Section 18 of the Tenements (Scotland) Act 2004 requires each flat owner to insure to reinstatement value, and allows a common policy for the whole building. The app lets owners download proof of cover and of premium payment, which neighbours are entitled to ask for, and share it with a property factor.
Owners answer a neighbour's request for evidence in a minute, not a week.
The first question in a motor claim is where the accident happened. A collision in Edinburgh is handled outside the Official Injury Claim portal, which covers small road injury claims in England and Wales only, so the app sends Scottish and English cases into separate queues with the right forms.
Handlers stop correcting misrouted injury claims by hand.
Short question sets for home, contents, landlord, travel or pet cover, followed by a clear statement of what the customer said they need and why the product suits them. The policy summary and key exclusions appear before payment, not buried in a PDF after it.
Sales records that stand up when your compliance team samples them.
Hosts operating under the City of Edinburgh Council short-term let licensing scheme, festival venue operators and touring companies need cover that is quick to buy and easy to prove. The app issues certificates on demand and reminds customers before a policy lapses mid-season.
Seasonal customers buy and prove cover from their phone.
Policyholders upload photos of a burst pipe or storm damage, see the stage their claim has reached and reply to the handler inside the claim thread. Loss adjusters receive the same evidence in their own view, so nobody asks the customer to send pictures twice.
Fewer chase calls and a complete claim file from day one.
Students at the University of Edinburgh, Heriot-Watt and Edinburgh Napier move flat every year and often share a tenancy. The app handles joint contents policies, quick address changes at term start and gadget items added or removed in a few taps, with cover confirmed instantly for a landlord or letting agent who asks.
Young customers stay with you when they move, instead of buying again elsewhere.
When SEPA issues flood warnings, or a named storm is forecast for the east coast, your team can push targeted advice to policyholders in affected postcodes: move valuables, photograph the property, and how to report damage once it is safe.
Better evidence and earlier notifications after severe weather.
Schedules, certificates, policy wording and renewal notices kept behind secure sign in, with a history of every version. Customers who moved flat or changed car can see which documents applied on which date.
Document requests to the service desk drop sharply.
A web dashboard where staff triage new claims, refer risks outside appetite, add notes and set reminders. Permissions follow your delegated authority limits, so a junior handler cannot approve what only a senior can.
Every file has an owner and a recorded decision.
Customers can raise a complaint in the app, and staff can record a support need such as bereavement or a health condition with consent. Complaint clocks are visible to managers so final responses and Financial Ombudsman Service referral rights are never missed.
Evidence that customers in difficult circumstances were treated fairly.
Who this suits
The city's insurance sector ranges from family brokers who have served the same New Town and Morningside clients for decades to product teams building new MGAs. The right first release depends on which of these describes you. Each starts with the same question: which customer task causes the most calls, rework or lost renewals today? Insurance claims app development Edinburgh adjusters and handlers rely on is often the best first step, because a claim is the moment a customer judges whether the policy was worth having.
Many Edinburgh brokers still renew by letter and take claims by phone. We start with a client app that shows every policy the broker places, sends renewal reminders and collects first notification of loss with photos. Your account handlers keep the relationship; the app removes the admin around it. Insurer documents can be uploaded by staff until a direct feed is worth building. Clients in Stockbridge or Portobello who prefer a phone call still get one; the difference is that the handler can see the whole history before answering.
Start with renewals and claims notification.
A product team near the Exchange District may have capacity and a pricing model but no customer channel. We build the quote, bind and policy servicing flows, with product governance records and fair value data captured from the first sale. The app is designed so a second product can be added without rebuilding the first.
Build the data model for more than one product.
Large operations at Edinburgh Park or South Gyle often run a web portal bolted onto a policy administration system. We keep the core system, add an API layer where needed, and put a modern app on top. Policyholders get self service; your teams keep the processes they trust.
We work alongside your core systems.
Firms that handle claims for several insurers need a single app that shows each case under the right brand and rules. We build claimant portals, field inspection tools for adjusters visiting properties in Leith or the Borders, and reporting that each insurer client can receive separately.
One platform, many insurer workflows.
How we work together
Most Edinburgh clients start with a scoped first version covering the two or three tasks that cost them most, often renewals and first notification of loss. After launch, a monthly retainer adds features in priority order and keeps the app current with iOS, Android and rule changes. Larger insurers sometimes take a dedicated team that works inside their own planning cycle. Whichever model you choose, your compliance lead approves regulated wording before it ships. Codeeo is rated 4.7 from 23 Google reviews, and we would rather you judge us on a short discovery phase than on promises.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We choose native or cross platform builds based on the features you need and the team who will look after the app later. Common choices include Swift, Kotlin, Flutter and React Native, with secure cloud hosting in UK regions. Staff dashboards are usually built as web apps, so handlers in an Edinburgh office and adjusters working from home use the same screens.
01Mobile
02Data and cloud
03Marketing and tracking
We agree it after discovery, when the scope and regulated steps are clear.
Timing depends on how many products the first release covers, how many systems it must connect to and how quickly your compliance team can review wording. A broker app for renewals and claims notification is a smaller job than an MGA platform that quotes, binds and takes payment. We write the scope, the review points and the release plan down at the end of discovery, so both sides know what is being built and when each part will be ready for you to test.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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