Takes in the claim
Reported once, by phone, portal or system.
Home / How it works / Full TPA model
Full TPA modelYour claims, handled for you. Your rules, your view.
Clarion's team runs your claims under the authority you give us. You do not hire or manage anyone. You see everything and stay in control.
- You set the authority limits
- You see every claim and every decision
- You can change the rules at any time
In short
In the full TPA model, Clarion's own people handle your claims for you under authority you delegate. A TPA, or third party administrator, always acts for its client. You set the rules and the service levels, and see every claim as it moves.
What a TPA does
It runs claims on behalf of someone else.
A third party administrator does the work and reports back.
Assesses it
Cover, damage, liability and any injury.
Arranges the work
Repairs, towing and replacement vehicles.
Recovers and reports
Chases costs back and shows you the result.
Who we act for
You. Always you, the client.
We do not act for ourselves, and we do not act for the other side.
You decide
The limits and the standard are yours to set.
- You set the authority limits: what we can decide and pay
- You set the rules and the service levels
- You see every claim and every decision
- You can change the rules at any time
We do
Inside those limits, the work is ours.
- We handle each claim within your limits
- We refer back anything outside them
- We meet your service levels and report against them
- We keep a timestamped record of every decision
The people belong to the TPA
You do not need to build a claims team.
Clarion's specialists do the work, and you keep the oversight.
No hiring
Clarion employs and trains the team.
No managing
Clarion manages the people and the workload.
Always covered
Volumes rise and fall without changing your headcount.
One accountable party
You deal with Clarion, not with each supplier.
What you see and control
Insight and control, without doing the work.
Everything the team does sits in one place, live.
Live claim status
Every open claim, from lodgement to close.
Service levels and alerts
See what is on track and what is near a breach.
Reporting
Cost, days to close, recoveries and volume.
Delegated authority limits
Set and change what Clarion can decide.
Full audit trail
Each decision logged and timestamped.
Claims dashboardExample data
142Open claims
98.2%Within SLA
8.4dAverage to close
CLM-2026-4481Toyota HiLux — Western SydneyIn repairCLM-2026-4475Ford Ranger — Brisbane CBDAssessingCLM-2026-4462Isuzu NPR — MelbourneRecoveryHow a claim runs
Six steps. Clarion does the work, and you see each one.
01
Lodge
The driver or fleet reports once.
02
Triage
Clarion logs it, checks cover and scores it.
03
Assess
Damage, liability and injury are reviewed.
04
Repair
Clarion arranges and tracks the work.
05
Recover
Recovery is flagged at the start and chased.
06
Report
You see the result and the record.
Full TPA or hybrid
The same system. The difference is who handles the claims.
Full TPA modelHybrid model
Who handles claims
Clarion's people.
Who handles claims
Your team, plus Clarion's when assigned.
Who employs the people
Clarion.
Who employs the people
Each employs its own staff.
Authority
You delegate it to Clarion.
Authority
You keep it and assign claims.
Best when
You want claims off your desk.
Best when
You want control and an extra hand.
Who this suits
Choose the full model when you want claims off your desk.
Corporate fleetsFleet management companiesInsurersMGAsOrganisations without a claims team
Questions we are asked
The things people check first.
Who makes the decisions on my claims?
Clarion's team makes decisions, but only within the authority and the rules you set. Anything outside those limits comes back to you.
Who employs the people handling my claims?
Clarion does. You do not hire, train or manage the claims team.
What can I see?
Live claim status, service levels and alerts, regular reporting and a record of each decision on every claim.
Can I change the rules?
Yes. You set the authority limits, the rules and the service levels, and you can change them.
What happens if I want to stop using Clarion?
Exit and handover terms are set out in your agreement. Ask us to walk you through them in the walkthrough.
See the full TPA model in 20 minutes.
We walk through a live claim, the authority you set, and what you see along the way.