Insurance is undergoing a once-in-a-generation shift. Today’s policyholders expect speed, clarity, and personalised service. Regulators demand transparency and compliance. Boards seek growth, cost reduction, and capital discipline. And yet, many insurers are held back by outdated technology and siloed processes.
Nio Insight is built to change that.
It’s a modern insurance platform designed for long-term and short-term products, combining the latest in cloud, AI, and open architecture with deep insurance logic. It empowers insurers to innovate faster, operate smarter, and grow sustainably—with full regulatory confidence.
Whether you're an indigenous insurer, a regional carrier, or a market leader ready to modernise, Nio Insight offers a path to transformation—without disruption.
Insurance Industry: Disruption & Opportunity
The global insurance landscape is facing pressure on all sides:
- Customer expectations are shifting: Seamless digital service is now a baseline.
- Margins are tightening: Loss ratios are under pressure from inflation, fraud, and claims leakage.
- Legacy systems can't keep up: Slow to change, expensive to maintain, and prone to error.
- Regulatory demands are rising: IFRS 17, Cybersecurity, data protection, and financial reporting.
Yet, as successful transformation projects in the market show, modern technology can unlock substantial upside. Post-transformation, one example insurance carrier has reduced their expense ratio by 3.8 points, improved their motor loss ratio by 12.7 points, and grew trading profit by over £140M in a single year.
See esure 2024 Results Update:https://www.esuregroup.com/media/huuby0gt/esure-analyst-presentation-april-2025.pdf
Our Vision for Modern Insurance
Nio Insight helps insurers leave behind the constraints of rigid legacy systems and disconnected operations. Our platform is designed to be open, modular, and fully integrable—so you can work smarter, move faster, and stay focused on what matters most: serving your customers and growing your business.
We believe technology should support, not reshape, the core of your business. That’s why Nio Insight uses the power of modern infrastructure to help insurers do what they do best—underwrite risk, manage relationships, and deliver exceptional insurance experiences.
With full cloud flexibility, open APIs, and a highly configurable setup, Nio Insight makes it easy to enter new markets, launch new products, and build connected, digital journeys. By reducing operational drag and enabling automation across the value chain, the platform creates space for innovation, efficiency, and long-term growth.
Business Value Drivers
Grow Profitably
- Launch products faster with no-code tools
- Improve pricing accuracy using AI and analytics
- Reduce fraud and claims leakage with intelligent automation
- Support new lines such as embedded or usage-based insurance
Delight Customers
- Omnichannel experience across mobile, web, contact centre, and broker portals
- Self-service policy management and claims tracking
- AI-powered virtual agents for faster resolutions
- Personalised offers and communication
Empower Distribution
- Real-time portals for agents, brokers, and reinsurers
- Seamless CRM integrations (Salesforce, HubSpot, ApplyOn)
- Automated commission management and referral tracking
- Full visibility of quote-to-bind lifecycle
Improve Oversight and Compliance
- Real-time accounting and financial insights
- Built-in IFRS 17 and regulatory reporting
- End-to-end audit trail across all business processes
- Robust permissions and user access controls
Technology Foundations
Nio Insight is a modern, future-proof platform designed to work in real-world insurance environments—no matter your existing stack or preferred cloud.
Flexible Deployment
- Works with any database: Oracle, Microsoft SQL, PostgreSQL
- Deploy on any cloud: AWS, Azure, GCP, Akamai, or Private Cloud
- Supports SaaS or PaaS models
Open, Configurable Architecture
- API-first and integration-ready
- No-code platform with configuration through tables
- Fully parameterised: business rules, products, workflows
Intelligence Built-In*
- Generative AI for customer service, automation, and documentation
- Machine Learning for underwriting, fraud detection, pricing optimisation
- Predictive analytics for decision support and early risk signals
*In development
Document-Driven Automation
- Integrated Document Management System
- OCR, auto-indexing, drag-and-drop uploads
- Attach inbound emails and documents directly to workflows
Modern, Efficient UI/UX
- Desktop-style interface with tabs and collapsible panels
- Intuitive, responsive design for power users and customer portals alike
Real-World Impact
Our platform is designed with outcomes in mind. Drawing from esure’s results and our own pilot programmes, here’s what transformation looks like in numbers:
| Metric | Improvement Achieved (esure example) |
|---|---|
| Expense Ratio | ↓ 3.8 points |
| Motor Loss Ratio | ↓ 12.7 points |
| Trading Profit | +£144M |
| Policy Growth | +8% (H2 2024) |
| Customer Ease Ratings | 92% scoring 4 or 5/5 for service experience |
Deployment Approach
Nio Insight is delivered through flexible engagement models to fit your strategy:
- Greenfield: New business lines or digital-only insurers
- Phased Modernisation: Coexist with legacy systems before full transition
- Full Replacement: End-to-end deployment in 12–24 months
We offer full support for data migration, training, configuration, and post-go-live optimisation.
Why Choose Nio Insight
- Built for Insurance: Combines decades of domain expertise with modern software engineering
- Designed to Scale: Enterprise-grade for regional, national, or multi-country use
- Partner-Friendly: Works with your CRM, cloud, and channel ecosystem
- Innovation-Ready: Includes AI, Blockchain-readiness, and embedded analytics
Next Steps
We're actively onboarding early adopters for pilots and scaled rollouts. If you're planning your next phase of digital transformation, we invite you to:
- Schedule a strategy session with our team
- Explore a product demo tailored to your use case
- Access exclusive early adopter pricing and support packages
Let Nio Insight help you shape the future of insurance—efficient, intelligent, and customer-first.