Automated claims handling
The whole journey from first notice to settlement runs as one workflow, which takes the manual re-keying and the hand-offs between systems out of the process.
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Powered by CuriumThe platform is the compliance.
Clarion is a service business and the technology is how we keep the promise. Curium is built for one regulatory environment — yours. Australian obligations are not configured after go-live; they are the architecture.
- ISO 27001:2022 certified
- Hosted in Australian data centres
- Separate environments per principal
Why AI-native matters
Built with AI in the foundation, not bolted on at the edges.
Curium was built for claims with AI at its core, so the benefit arrives on day one rather than after a transformation project.
Clara AI next actions
Clara reads the claim and recommends the next step with the reasoning attached. The handler still decides — a recommendation is never the decision.
360° claim visibility
Policy, documents, photos and every communication sit on one record, so a handler grasps a claim in seconds instead of assembling it from four systems.
A better experience for the policyholder
Automated updates at each stage in plain language, so people are told what is happening rather than having to ring and ask.
30% faster
Claims intake, at one Curium client
Complete claims from day one, with smart digital forms that capture the data, documents and photos upfront.
10+ hours saved
On ASIC and GICOP reporting
One-click reporting pulls the data you need instantly. No chasing information across systems.
1 digital form
Replacing the six-page claim form
Simpler for clients to lodge. Faster for your team to process.
The pieces
Four things, one claim record.
Your portal
Live claim status, SLA and code timeframe tracking, management information and one-click regulatory reporting — role-based, so any persona can be given the view they should have.
Learn more
Clara AI
Reads and classifies documents, assesses damage from photos, triages to your rules and chases what is slipping before it breaches.
Learn moreClarionSight
Driver photos become a costed damage assessment in minutes, attached straight to the claim, with total loss and fraud signals flagged.
Learn moreEcosystem
Insurers, policy systems, repairers, assessors, suppliers, fleet systems and telematics — connected, so the whole claim is visible in one place rather than the part you touch.
Learn moreWhy it is built this way
Three things that only work if they are in the foundation.
Your obligations are the system.
GICOP acknowledgement, decision and internal dispute timeframes are loaded into every claim. The AFSL obligation register updates itself as regulation changes. Breaches are prevented rather than reported afterwards.
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.
Your data stays in Australia, and stays yours.
ISO 27001:2022 certified, hosted in Australian data centres, compliant with the Australian Privacy Principles, with separate environments and delegated-authority matrices per principal.
AU/NZ regulatory complianceGICOP timeframesAFSL obligation registerAustralian data residencyISO 27001:2022GRC compliance moduleASIC one-click reportingRecovery flagging at intakeCPS 230 tracking
Compliance
Compliance is the foundation, not a feature.
Every process, platform setting and reporting framework is built around the obligations that apply to Australian insurers, agencies and regulated entities.
GICOP
Acknowledgement, decision and internal dispute resolution timeframes are pre-loaded and run as live clocks. Alerts fire before a breach, not after one.
AFSL / AR
Clarion operates within an AFSL/AR framework. The obligation register tracks every licence condition and updates as regulation changes.
ASIC reporting
Internal dispute data, breach reporting and complaints statistics compile automatically — removing the manual aggregation that creates errors.
AFCA
An integrated complaint register with escalation workflows mapped to AFCA timeframes, and a full audit trail on every complaint.
CPS 230
Operational resilience and audit-trail capability designed to meet APRA's outsourcing requirements, including material arrangement documentation and exit planning.
CPS 234
ISO 27001:2022 certification and Australian data residency, with information security policies and access controls aligned to the standard.
The platform's credentials
Curium has been judged by the industry, repeatedly.
These are Curium's awards and memberships rather than Clarion's — the platform we run on, recognised by the bodies that assess this market.
- 2026
Insurtech Start-up of the YearWinner
ANZIIF Australian Insurance Industry Awards
- 2026
Insurance Business AwardsWinner
- 2025
InsurTech100
- 2025
ANZIIF Awards and Insurance Business Australia AwardsFinalist
- 2024
5-Star Insurance Innovator
Member, Underwriting Agencies CouncilMember, Insurtech AustraliaMember, Women in Digital
Want to see it with a real claim in it?
We will walk one of your files through the workflow — lodgement to closure — and show you the audit trail it leaves behind.