HONESTAS. From the first call to a sealed claim decision.
HONESTAS is our insurance platform, built on Nexus. It reads the claim, the policy and every report, shows where each fact came from, and flags what looks wrong. A named person makes the decision, and the record of it is sealed.
Faster claims. Decisions you can defend.
Most of a claims handler's day goes on finding and reading. HONESTAS does the finding and reading, and leaves the judgement to people.
Every fact shows its source
Answers cite the policy wording, the adjuster's report and the photos, down to the page. Where two papers disagree, both are quoted.
Fraud signals that point, not punish
Links between claims, people and addresses are shown as signals with reasons. No claim is refused by a model.
A record a regulator can check
Who decided, on what evidence, under which rules. Sealed at the moment of decision and checkable without an account.
One pack. A lens for each role.
The same claim looks different to each person who touches it. Each lens shows what that role needs and hides what it should not see.
- Claims handler
The claim, the policy, every document and a drafted next step. Questions answered with sources.
- Claims lead
Claims waiting on a decision, decision rooms to chair, and the reasons behind each recommendation.
- Fraud investigator
Signals across claims: shared phones, addresses, repairers and bank accounts, on a graph and a map.
- Underwriter
What the claims are saying about a book of business, with the wording that caused it.
- Compliance and audit
Sealed records, the rules each one answers, and evidence packs for the supervisor.
Four steps. The same every time.
Every claim runs through the same path, so every claim leaves the same kind of record.
Take the first call
The customer calls, writes or uses the app. HONESTAS opens the claim, checks the policy and asks only for what is missing.
Gather the facts
Reports, photos, invoices and weather data are read and filed. Each fact keeps a link to where it came from.
Check and argue
Fraud signals and coverage questions are raised with reasons. For bigger calls, a decision room hears the case for and against.
Decide and seal
A named person decides. The decision, the evidence and the rules it answers are sealed together.
Built for the people who handle claims.
Real HONESTAS screens, with sample data from a fictional insurer.
Signals with reasons
A roofer on twelve claims in six days. HONESTAS shows the link, the reason it matters and the claims involved, and drafts an investigation. A person decides whether to open it.
Every claim on real terrain
After a storm, every claim, policy and repairer appears on the map with the storm's path. Spot clusters, plan visits and work offline in the field.
Where the papers disagree
Ask the adjuster's report, the survey and the photos one question. Each line of the answer links to its page. Disagreements are shown side by side, in each paper's own words.
The decision, with its proof
The decision passport bundles the sealed records behind a decision. Anyone with the link can check it has not changed since it was sealed.
Every decision, sealed with its evidence.
When a person decides a claim, HONESTAS seals the decision, the evidence it rests on and the rules it answers into one record. Nobody can change it quietly afterwards, including us.
- Who decided, in which role, and when
- The facts used, each with a link to its source
- Which AI helped, with what model and what it was allowed to read
- The rules the decision answers, by article
- The time stamp, witnessed outside Adverant
A regulator, auditor or reinsurer can check the seal without an account. Try the seal check →
Claim decision · CLM-2026-4471SampleMapped to the rules insurers answer to.
HONESTAS links each sealed record to the articles it helps answer, so the evidence is ready before anyone asks for it.
- Solvency IIDirective 2009/138/EC, as amended by (EU) 2025/2Governance, risk management and reporting. Reviewed rules apply from 30 January 2027.
- Insurance DistributionDirective (EU) 2016/97 (IDD)Acting honestly, fairly and in the customer's best interests, and keeping the records to show it.
- DORARegulation (EU) 2022/2554ICT risk, incident reporting and the register of tech suppliers.
- EU AI ActRegulation (EU) 2024/1689, Annex III 5(c)Risk assessment and pricing in life and health insurance is high-risk AI from 2 December 2027.
- GDPRRegulation (EU) 2016/679Purpose, access, erasure and where claimants' data lives.
- EIOPA opinion on AIOpinion on AI governance and risk management, August 2025Supervisors' expectations for fairness, explainability and human oversight of AI in insurance.
AI Act dates as amended by Regulation (EU) 2026/1744, the Digital Omnibus, published in the Official Journal on 24 July 2026. Not legal advice. Certification and legal opinions stay between you and your advisers.
Eight modules. One claims platform.
Each module is built on the same Nexus core, so they share one record, one set of permissions and one map. Open a module to see what goes in, what comes out and who signs off.
First notice of loss
Takes the claim by phone, web, app or email, checks cover and asks only for what is missing.
- Goes in
- Calls, forms, emails, photos
- Comes out
- An open claim with cover checked and a list of what is still needed
- Signs off
- Claims handler
Document reader
Reads reports, invoices, surveys and photos and files each fact with a link to its page.
- Goes in
- PDFs, scans, images, spreadsheets
- Comes out
- Facts with sources, and where documents disagree
- Signs off
- Nobody: it only files facts
Coverage check
Compares the facts with the policy wording and endorsements and drafts a coverage view.
- Goes in
- Policy wording, schedule, facts
- Comes out
- A coverage view with the clauses that decide it
- Signs off
- Claims handler
Fraud signals
Looks for links between claims, people, phones, addresses, repairers and accounts.
- Goes in
- Claims history, third-party data you allow
- Comes out
- Signals with reasons and a drafted investigation
- Signs off
- Fraud investigator
Decision rooms
For larger or disputed claims, AI argues for and against paying, and a chair rules.
- Goes in
- The claim file and the questions in dispute
- Comes out
- A ruling with reasons, ready to seal
- Signs off
- Chair, usually the claims lead
Payments and recovery
Prepares payments, reserves and subrogation steps once a decision is sealed.
- Goes in
- Sealed decision, bank details
- Comes out
- A payment request and a recovery file
- Signs off
- Two people, under the four-eyes rule
Customer app
A branded app for policyholders to report, track and talk to a person.
- Goes in
- Your brand, your products
- Comes out
- A storefront per brand, built from one template
- Signs off
- Marketing and compliance
Evidence packs
Gathers sealed records and maps them to rules for supervisors, auditors and reinsurers.
- Goes in
- Sealed records
- Comes out
- A pack with every record checkable
- Signs off
- Compliance lead
Runs where your supervisor expects.
Run HONESTAS in our EU cloud or in your own data centre. Loss adjusters can take it into the field.
Our EU cloud
Each insurer in its own private space. Data stays in Europe.
Your data centre
On your own Kubernetes, next to your policy systems.
Fully offline
For captives and sensitive books that cannot connect.
In the field
Adjusters keep working after a storm, with no signal, and sync later.
Questions insurers ask.
Does the AI decide claims?
No. HONESTAS reads, files, checks and drafts. A named person decides every claim, and the record shows who it was.
Can it work with our policy and claims systems?
Yes. HONESTAS connects to your policy, claims and payment systems and reads from them. Your core systems stay the system of record for the policy.
How are fraud signals kept fair?
Signals carry their reasons and never refuse a claim on their own. Checks for unfair patterns run on every signal type, and you can see how often each one was right.
Which models does it use?
The models you approve, through the AI switchboard. That can be your own model on your own hardware or a hosted model in a region you allow.
Can a claimant see why we decided?
Yes. Each decision has a plain-language reason drawn from the sealed record, which you can share in your decision letter.
Does it cover underwriting too?
Yes. Underwriters see what claims say about a book of business, and placements with other firms run behind walls so each firm sees only its own share.
Other packs
See HONESTAS on your own claims.
Bring a claim type you want to speed up. We will show you how it runs in HONESTAS, end to end.