We manage the full claims lifecycle for MGAs, underwriting agencies, fleet operators, and insurers. Built for Australia. Not adapted. No US parent. No broker network. No conflict. Just claims done right.
Every major TPA in Australia reports to a US group, a PE fund, or a broker network. We don't. Here's what that means for you.
Loss cause. Coverage. Red flags. Every step follows a path — not handler instinct. Every decision is captured, timestamped, and auditable. When your auditor asks, the answer is already there.
GICOP timeframes are pre-loaded. AFSL obligations are tracked. ASIC reporting is one click. We didn't configure this post-implementation — we built it this way. It's not a feature. It's how the platform works.
Real time. Not a monthly PDF. Every action, document, and decision visible in your Curium dashboard the moment it happens. Not a black box. Never a surprise.
No US parent. No private equity board. No ASX-listed entity setting targets that conflict with your interests. Clarion is Australian-owned. Our only obligation is to the outcome.
Fleet motor. Insurance motor. Commercial property. Accident & health. Each class has its own handler team and its own workflow. Your motor claim is not managed by the same person who handled a property claim yesterday.
Structured workflows. Intelligent triage. An onshore/offshore delivery model built to keep unit costs low without cutting corners. ISO 27001:2022 and Australian data sovereignty included. Not add-ons.
MGAs. Fleet operators. Insurers. Brokers. Each worries about different things. We know what those are — and we built the service around them.
We manage the claim. You manage the fleet. Driver lodges. We take it from there — towing, hire car, repair, recovery. You get a live dashboard and a per-vehicle-per-month price. No surprises.
Accident managementYou carry the risk. We carry the claims. Full accident management for self-insured fleets — FNOL, towing, repair, recovery, and monthly reporting. Per-claim or retainer — your choice.
Self-insured solutionsHigh frequency. Complex liability. Multi-vehicle incidents. We manage commercial fleet, government fleet, and heavy vehicle claims for insurers at volume — with the specialist depth a generalist handler cannot deliver.
Insurance motorYour claims are being managed by people who rotate across lines and meet SLAs on paper. We fix that. We are your claims arm — FNOL to settlement, GICOP tracked, AFSL obligations pre-loaded. No build required.
End-to-end TPAWhen your client calls you about their claim, you already know the answer. Real-time visibility. No handler queue. No chasing. Your clients see everything. So do you.
Claims oversightEvery decision is documented. Every timeframe is tracked. Your audit trail is built as we go. CPS 230 makes outsourcing governance a board-level obligation — Curium makes it a daily fact.
Delegated authorityFNOL to recovery. One workflow. No handoffs. No black boxes.
Two service lines, one operating standard. Each class of claim has a dedicated team and workflow — all running on the same Curium-backed file.
Accident Management for Fleet — we handle the driver experience from first call to final repair. Different workflows. Both built specifically for the job.
Driver lodges. We take it from there. Every step — towing, hire car, repair, recovery — managed and reported in real time.
We build the panel. We manage it. We audit it. National coverage — metro and regional. Preferred rates, quality standards, and turnaround benchmarks enforced. Underperformers removed.
Independent assessment nationwide. Desktop or on-site. Passenger, commercial, heavy. Reports flow directly into the Curium claim file — no manual upload, no delay.
We flag recovery opportunities at intake. Not after the claim closes — at intake. Dedicated subrogation workflow, limitation date tracking, and in-house pursuit. We don't hand this off.
The services that keep claims moving. All managed within the Curium workflow.
From first call to final repair. One platform. No handoffs. No paper.
Phone or portal. No app required. Driver lodges in minutes. Instant confirmation. Claim reference issued on the spot.
Severity, coverage, recovery opportunity — scored at intake. Repairer allocated on vehicle type, location, and capacity. No manual queue.
Live repair tracking dashboard with full job timeline. Hire vehicle coordination, towing, and valet pick-up/drop-off managed within the platform. Automated driver status updates at each stage.
Consolidated invoicing across all repair and ancillary costs. Automated subrogation and not-at-fault recovery flagging. Full claim closed and documented in Curium.
AI-powered vehicle damage intelligence — converts driver photos into instant damage assessments and repair cost estimates in under 60 seconds.
Driver submits photos at the incident scene via mobile browser — no app required. Vehicle identified by licence plate. Guided prompts ensure the right angles are captured for accurate assessment.
Proprietary vision models identify damage location, type, and severity from photos. Trained on thousands of Australian repair records across all vehicle types including EVs, prestige, and commercial.
Repair cost estimate generated in under 60 seconds. Full damage report attached directly to the Curium claim file — no manual data re-entry. Flags potential total loss and fraud signals automatically.
Aggregate damage data across your fleet surfaces incident patterns, high-risk locations, driver behaviour trends, and cost benchmarks — actionable intelligence your fleet team can actually use.
Motor Claims for Insurance — we manage the full lifecycle for insurers and MGAs across private, commercial, and fleet vehicles.
Driver lodges. We take it from there. Every step — towing, hire car, repair, recovery — managed and reported in real time.
We build the panel. We manage it. We audit it. National coverage — metro and regional. Preferred rates, quality standards, and turnaround benchmarks enforced. Underperformers removed.
Independent assessment nationwide. Desktop or on-site. Passenger, commercial, heavy. Reports flow directly into the Curium claim file — no manual upload, no delay.
We flag recovery opportunities at intake. Not after the claim closes — at intake. Dedicated subrogation workflow, limitation date tracking, and in-house pursuit. We don't hand this off.
The services that keep claims moving. All managed within the Curium workflow.
Commercial and residential property claims managed end-to-end for MGAs, underwriting agencies, and insurers — with GICOP-compliant timeframes, AFSL-ready reporting, and delegated authority frameworks built in from day one.
End-to-end management of commercial property losses for MGAs and insurers writing SME, strata, industrial, hospitality, and landlord classes.
Personal lines and strata property claims managed with a customer-first approach and full regulatory compliance — including vulnerable customer protocols.
Automated recovery flagging at intake across all property classes — with limitation date tracking and dedicated subrogation workflow managed through Curium.
Supporting capability for property claims operations.
Clarion will be Australia's first independent TPA offering specialist accident & health claims management. For MGAs writing personal accident, income protection, group schemes, and embedded A&H, we will be the only compliant independent option in the market.
End-to-end management of personal accident claims for MGAs and specialty insurers — from FNOL through to benefit payment and closure.
Specialist management of income protection claims — combining medical assessment expertise with compliant claim decision processes and ongoing benefit management.
High-volume group A&H administration for corporate schemes, affinity programs, and embedded insurance products — with per-member reporting and scheme-level MI.
Supporting services for A&H claims operations.
Specialist lines that generalist TPAs ignore or handle poorly. Clarion provides dedicated claim management for niche and emerging product classes — with the same compliance rigour applied across all our service lines.
First-response and ongoing management of cyber insurance claims for MGAs and specialty insurers — coordinating technical, legal, and communication response in a single claims workflow.
High-volume, low-complexity pet insurance claim management for MGAs and embedded pet insurance programs — fast turnaround and veterinary invoice validation built in.
Specialist claims management for high-net-worth and exotic vehicle portfolios — where accurate quantum, manufacturer-approved repair methods, and white-glove service are non-negotiable.
Claims management for specialty asset classes — equine, livestock, marine, and other niche lines — where generalist handlers lack the expertise to assess quantum accurately.
Shared capability applied across all niche lines.
Every client gets access to a live Curium dashboard — claim status, SLA performance, GICOP timeframe tracking, and MI reporting, available around the clock.
Every open claim tracked live — from FNOL intake through to settlement and closure. No waiting for weekly reports.
See which claims are on track, approaching breach, or escalated — with automated alerts before any timeframe is missed.
Customisable dashboards tracking average cost, days-to-close, recovery performance, and volume trends — exportable on demand.
ASIC, AFCA, and GICOP compliance reports generated instantly from Curium — eliminating manual data aggregation and the errors it creates.
Automated SMS and email updates at each claim stage — keeping drivers and policyholders informed without your team lifting a finger.
Clarion operates a purpose-built hybrid delivery model that puts the right people in the right locations. The result is a seamless, always-on service for clients and their customers — with senior Australian oversight at every step.
Our Australian team owns every client relationship and carries full accountability for outcomes. Executives, team leaders, and specialist claims managers are on the ground in Australia — visible, accessible, and responsible.
Our South Africa-based team runs the engine room — high-volume processing, 24/7 FNOL support, finance, and compliance data. Operating at approximately 50% of equivalent Australian employment cost without compromising quality or oversight.
Curium is a Sydney-built claims and GRC platform designed for one regulatory environment — yours. AU/NZ obligations aren't configured after go-live. They're the architecture.
Your obligations are the system, not a checklist on top of it.
GICOP acknowledgement, decision and IDR timeframes are loaded into every claim. The AFSL obligation register updates itself as regulation changes. Breaches are prevented, not reported after the fact.
The audit trail writes itself.
Every decision — loss cause, coverage, red flags — is captured, timestamped and traceable. ASIC, AFCA and GICOP reports generate in one click from the live file. No aggregation, no spreadsheet reconciliation.
Your data stays in Australia, and stays yours.
ISO 27001:2022 certified, hosted in Australian data centres, compliant with the Australian Privacy Principles. Separate environments and delegated-authority matrices per principal.
Every process, platform configuration, and reporting framework at Clarion is built around the obligations that matter to Australian insurers, MGAs, and regulated entities.
All GICOP acknowledgement, decision, and IDR timeframes are pre-loaded into Curium. Automatic alerts fire before any timeframe is breached — and closure documentation is auto-generated to the required standard.
Clarion operates within an AFSL/AR framework from day one. Curium's obligation register tracks every licence condition, auto-updates with regulatory changes, and flags potential breaches before they become incidents.
1-click ASIC report generation from within Curium. IDR data, breach reporting, and complaints statistics compiled automatically — eliminating the manual aggregation that creates errors in competitor operations.
Integrated complaint register with escalation workflows mapped to AFCA timeframes. Every complaint is tracked, responded to within timeframe, and closed with a full audit trail — reducing the risk of systemic breach findings.
For insurers subject to CPS 230, Clarion's operational resilience framework and Curium's audit trail capabilities are designed to meet APRA's outsourcing arrangement requirements — including material arrangement documentation and exit planning.
Curium's ISO 27001:2022 certification and Australian data residency are directly responsive to CPS 234 obligations. Information security policies, access controls, and incident response capabilities are aligned to APRA's standard.
Shareholder & strategic partner Clarion Claims is backed by Correlation — a global investment firm that backs insurance entrepreneurs through equity, strategic partnership, and long-term commitment. Correlation is purpose-built for insurance: their portfolio spans 13 insurance partners worldwide, with £915 million in written premiums and 4.4 million live policies under management.
Critically, Correlation also backs Curium — Clarion's core claims platform. This isn't a coincidence: Clarion's Co-founder and Curium's CEO is the same person, Tetiana George. This alignment gives Clarion unmatched platform depth, direct access to product development, and a technology partner with genuine skin in the game.
13
Insurance partners worldwide
£915M
Written premiums under management
4.4M
Live policies in portfolio
Ready to raise the standard?
Whether you're an MGA looking for a claims partner, a fleet operator that needs specialist accident management, or an insurer exploring outsourcing — we'd like to talk.
