Insurance apps built for FCA rules and customers in all four UK nations.

Quote flows that collect the information underwriting needs, explain what customers must disclose under the Consumer Insurance (Disclosure and Representations) Act 2012, record a demands and needs statement and present the Insurance Product Information Document before payment. Every version of the wording is stored so you can show what a customer saw. Business customers get a separate flow, since the Insurance Act 2015 sets a different duty of fair presentation for commercial risks.

For home and motor, FCA rules prevent charging a renewing customer more than an equivalent new customer through the same channel, and require auto-renewal to be easy to stop. The app shows the renewal premium against last year's, explains changes and lets customers switch auto-renewal off in one step.

ICOBS requires insurers to handle claims promptly and fairly, give reasonable guidance and not unreasonably reject them. The claims app collects evidence once, shows customers each stage and expected next step, and gives handlers queues, reminders and authority limits so no file goes quiet. Repairers, loss adjusters and suppliers can be given limited access to update the same file.

Connections to the industry data your underwriting and claims teams already use, such as the Claims and Underwriting Exchange and the Motor Insurance Database, through approved providers and your own rules. Checks run quietly in the background, with referrals routed to investigators rather than shown to customers. Motor policies can also be confirmed against the Motor Insurance Database so police and drivers see accurate cover.

Identity and address checks through certified providers. Since the Data (Use and Access) Act 2025, digital verification services can be certified against a statutory trust framework and listed on a public register, which helps your due diligence when choosing a supplier for onboarding and high value claim payments.

Cards, Apple Pay, Google Pay and Direct Debit for premiums, with monthly credit shown clearly under consumer credit rules. Claim settlements go out by Faster Payments after Confirmation of Payee checks, so money reaches the right account and customers see when it will arrive. Open Banking payments can also be offered where your provider supports them.

The FCA expects firms to understand and respond to vulnerability. Customers can tell you about a health condition, bereavement or money worry in the app, with consent recorded, and staff see flags that change how a case is handled, such as extra time or a named contact. Communication preferences, such as large print or a call instead of a letter, carry across every channel.

Complaints can be raised in the app and are tracked against the eight week deadline for a final response. Letters include the customer's right to refer to the Financial Ombudsman Service, and root cause data feeds back to product owners so the same problem stops recurring.

Scotland has its own legal system and Northern Ireland its own courts and some separate legislation, and the motor injury reforms apply only in England and Wales. The app can switch wording, letters and claims routes by the customer's address or the location of the loss, without separate apps. Limitation periods and court terminology differ too, so legal letters are templated per nation.

Warnings from the Environment Agency, SEPA and Natural Resources Wales can trigger targeted alerts to customers in affected areas. For eligible homes, the app can explain where cover is supported through Flood Re, and surge claims can be opened in a simplified mode after a major event. Customers can upload photos before and after water arrives.