A record that survives audit
Loss cause, coverage and red flags captured and timestamped on every claim — not reconstructed when someone asks.
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For insurersFleet claims at volume, handled by specialists.
High frequency, complex liability, multi-vehicle incidents. Fleet claims are not like other motor claims, and a general team is the wrong shape for them. We run commercial, government and heavy vehicle claims as their own class.
- Recoveries flagged at intake
- GICOP timeframes tracked
- ASIC, AFCA and GICOP reporting
In short
Clarion manages commercial, government and heavy vehicle fleet claims for insurers in Australia. Specialist handlers work one workflow from lodgement to finalisation, with every decision documented and regulatory timeframes tracked.
Example claimLive
Prime mover and two cars, multi-vehicle
- First notice receiveddone
- Liability and recovery triageddone
- Heavy vehicle assessor allocatednow
- Third-party demands issuedwaiting
Owner: Clarion, within your authority. Code clocks running.
The problem
Fleet claims are not like other motor claims.
Volume, liability and recoveries each need specialist handling.
The problemWhat changes for the insurer
High volume
Fleet claims arrive in numbers that strain a general team.
Lower cost per claim
Structured workflow and intelligent triage keep unit costs down.
Complex liability
Multi-party and heavy vehicle claims need experience.
Specialist handlers
Each class of claim has its own team and its own workflow.
Recoveries left behind
Recovery chances are missed when they are not flagged early.
Earlier recoveries
Recovery is flagged at intake, not after closure.
Reporting load
Regulatory reporting is rebuilt by hand every period.
Reports from the live file
ASIC, AFCA and GICOP reports generate in one click.
The operating standard
Every decision documented, every timeframe tracked.
Delegated authority enforced
Applied at the point of approval, with separate environments and authority matrices per principal.
Heavy vehicle depth
83 heavy-vehicle repairers in the network, and assessors who work that class rather than passenger assessors stretching.
How a claim works
One workflow from lodgement to finalisation, with no hand-offs.
Lodge
By phone, portal, broker or API, 24/7. Lodged in minutes.
Triage
Severity, fraud signals and recovery chances are scored at intake.
Assess
Loss cause, cover and cost are checked against the policy.
Decide
Every decision has a documented reason.
Resolve
The outcome is communicated, paid and closed to timeframe.
Recover
Recovery is flagged at intake and tracked to the end.
Your insurer view of every claim
Claim status, service levels and reporting, available around the clock.
Real-time claim status
Every open claim tracked from lodgement to close.
SLA and timeframe tracking
On track, near breach or escalated, with alerts before a deadline.
Management information
Average cost, days to close, recovery performance and volume trends.
One-click regulatory reports
ASIC, AFCA and GICOP reports from the live file.
Full audit trail
Loss cause, cover and red flags, each timestamped.
Telematics and API intake
Incident triggers and claims can arrive by API.
Claims dashboardExample data
1,240Open claims
97.4%Within SLA
11.2dAverage to close
CLM-2026-8832Multi-vehicle — Hume HighwayLiabilityCLM-2026-8817B-double — Port of BrisbaneAssessingCLM-2026-8795Council fleet — GeelongRecoveryWho it is for
Built for the fleet book inside a general portfolio.
The claims that behave differently from the rest of your motor book.
Commercial motorGovernment fleetHeavy vehicle and trailerMulti-vehicle liabilityPrestige and dealerSpecialty lines
Two ways to work with us
The same system supports both.
Questions we are asked
The things people check first.
What fleet claims does Clarion handle for insurers?
Commercial fleet, government fleet and heavy vehicle claims, including multi-vehicle incidents, at volume.
How are regulatory timeframes tracked?
GICOP acknowledgement, decision and internal dispute timeframes are loaded into every claim, with alerts before a breach.
What reporting do insurers receive?
ASIC, AFCA and GICOP reports generate from the live file, alongside cost, cycle time and recovery performance.
How does Clarion keep cost per claim down?
Structured workflows, triage at intake and an onshore-led delivery model.
Can we test Clarion before moving a portfolio?
Yes. Give us a month of de-identified claims and we will report cycle time, leakage points and what we would have flagged at intake.
Test us on a cohort before you move anything.
Give us a month of de-identified fleet claims. We will report cycle time, leakage points and what we would have flagged at intake.