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InsTech - insurance & innovation with Matthew Grant & Robin Merttens

How automation is shaping the future of claims in the Lloyd's and London market (394)

InsTech - insurance & innovation with Matthew Grant & Robin Merttens

InsTech

Entrepreneurship, Business, Investing

4.9 • 51 Ratings

🗓️ 15 February 2026

⏱️ 17 minutes

🧾️ Download transcript

Summary

In this episode, we bring you a live panel from InsTech’s May event at CodeNode, exploring how automation is reshaping claims in the Lloyd’s and London market — and why the belief that specialty is too complex to automate no longer stands.  Moderated by Matthew Grant, CEO of InsTech, the panel features Simon White, Chief Claims Officer at Apollo, Aidan O’Neill, Founder and CEO of DOCOsoft, and Zoe Woods, Claims Improvement Manager at Lloyd’s.  Specialty claims have long been viewed as too bespoke, too nuanced and too reliant on human judgement for automation to play a meaningful role. But as underwriting becomes algorithmic and distribution turns digital, claims can no longer lag behind.  This conversation moves beyond theory to evidence. Automation is already embedded in live workflows across the market. The firms adopting early are seeing measurable operational gains.  In this conversation, they share:  Why the myth that specialty claims cannot be automated is finally breaking down  How Apollo processed more than 23,000 claims through automated checks, cutting handling times to under a working day  What happens when you ask claims handlers to map every task they repeat on each file  Why automation should augment decision-making rather than create black boxes  How structured data and integrated dashboards unlock meaningful AI use cases  What Lloyd’s is doing to balance innovation with oversight in a syndicated market  Why modular, plug-and-play services are replacing large-scale transformation programmes  What specialty can learn from automation in motor and property lines  Why starting small with repeatable processes creates fast, tangible wins  How claims is shifting from cost centre to strategic differentiator  If you like what you’re hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.  Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.

Transcript

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0:00.0

Hello, welcome, or welcome back to the Instech podcast.

0:12.6

Zoya here, and this week, Matthew Grant is joined by speakers from Docosoft, Apollo and Lloyds.

0:17.8

Recorded live at our May evening event in London, this panel tackles the question

0:21.7

the market has debated for years. Is automation really possible in specialty claims or is it

0:26.7

finally happening? Our speakers make the case that the future isn't coming. It's already here.

0:32.3

Simon White at Polo shares how it has processed over 23,000 claims with automation supporting

0:37.3

every file,

0:38.6

cutting touch times to under a day. And Zoe Woods gives the broader Lloyd's perspective,

0:43.9

where momentum is building, where firms are moving at different speeds, and why now might be

0:48.1

the moment to get on the train. So what does a claims automation platform actually look like

0:53.3

in practice? Where does AI genuinely add value without becoming a black box?

0:58.0

And if you're wondering where to start, could the simplest task be the biggest opportunity?

1:02.0

If you enjoy this conversation, we've also written a deeper dive on the topic,

1:06.0

and we'll link that article in the episode notes below.

1:09.0

For now, grab a coffee and enjoy the discussion.

1:20.9

I do want to jump straight into this point that people have been talking about technology for decades now in ways that, you know, talk when nothing's happened, we're hearing this

1:26.2

enthusiasm on stage. And I'm going to start with you. To my point earlier, we've got some enthusiastic people who've got together on Wednesday evening to talk about technology and claims, but really everybody else is still just going to do it the same way. Are we really now finally seeing a little bit of a change in what's happening? In terms of automation and technology and claims, I guess we're like a 17-year overnight success.

1:45.9

I mean, we've been doing claims, automation claims to acknowledge for, what, 2008, so probably

1:51.8

so even know more than me, but half the claims that go into light, we would manage with one

1:56.6

of our carriers.

1:57.8

So in terms of automation, the future is here now. What we're doing with, say,

2:02.5

straight through processing, we've already had, we have carriers using that at the moment, Matthew,

...

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