Code obligations under contract
Complaints handling and code obligations sit with Clarion contractually — not as a best-efforts clause with your licence standing behind it.
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For MGAs and underwriting agenciesClaims handled properly, so you can underwrite.
How a claim is handled shows up in your complaints, your reporting and your capacity relationships. We manage the full lifecycle, document every decision and track every timeframe — and you see all of it.
- Live dashboard
- Every decision documented
- A handler team per class
In short
Clarion is a claims administrator for MGAs and underwriting agencies in Australia. We manage the full claims lifecycle, document every decision, track regulatory timeframes and show you each claim in a live dashboard.
Example claimLive
Commercial motor, written under binder
- Claim lodgeddone
- Cover confirmed against the binderdone
- Decision within delegated authoritynow
- Bordereau updatedwaiting
Owner: Clarion, under your authority. Every decision timestamped.
The problem
Claims are a risk you carry.
Even when someone else is handling them.
The problemWhat changes for the agency
Claims distract from underwriting
Your team is pulled into day-to-day handling.
Claims off your desk
Clarion handles the claim and owns the outcome.
Evidence on request
Capacity providers and auditors ask how decisions were made.
A record you can show
Every decision documented, timestamped and exportable.
Timeframes and complaints
Missed timeframes become complaints, then breaches.
Compliance built in
Code timeframes run as live clocks inside the workflow.
Hard to scale
Volume growth means hiring before the book supports it.
Capacity without headcount
Volumes rise and fall without changing your team.
What sits with us
The obligations, and the penalties attached to them.
An obligation register that updates
Every licence condition tracked, updating as regulation changes, with potential breaches flagged before they become incidents.
Reporting your capacity provider accepts
Bordereaux, ASIC, AFCA and GICOP reporting generated from the live file rather than assembled by hand.
How a claim works
One workflow from lodgement to finalisation, with no black boxes.
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.
See what we see, as it happens
Every action, document and decision is in your dashboard the moment it happens.
Real-time claim status
Every open claim, from lodgement to settlement.
SLA and timeframe tracking
GICOP timeframes tracked, with alerts before a breach.
Management information
Cost, days to close, recoveries and volume trends. Export on demand.
Regulatory reporting
ASIC, AFCA and GICOP reports from the live file.
Audit trail
Each decision captured, timestamped and easy to find.
Specialist teams
Motor, fleet, property and accident & health each have their own handlers.
Claims dashboardExample data
86Open claims
99.1%Within SLA
7.8dAverage to close
CLM-2026-2217Commercial motor — binder ADecisionCLM-2026-2203Property — binder BAssessingCLM-2026-2188Fleet — binder AClosedWho it is for
Built for delegated authority portfolios.
Where the licence, the code obligations and the capacity relationship all sit behind how a claim is handled.
Commercial motorFleetPropertyAccident & healthNiche and emergingEmbedded products
Two ways to work with us
The same system supports both.
Questions we are asked
The things people check first.
What does Clarion do for MGAs?
Clarion manages the full claims lifecycle for MGAs and underwriting agencies, from lodgement to finalisation.
Which classes does Clarion handle?
Fleet motor, insurance motor, commercial property, and accident & health. Each class has its own handler team and workflow.
How do we see our claims?
Through a live dashboard that shows claim status, service levels and reporting, available around the clock.
How are claim decisions recorded?
Every decision is documented, timestamped and auditable, so the reason is easy to find when an auditor asks.
How does Clarion keep cost per claim low?
Structured workflows, triage at intake and an onshore-led delivery model keep unit costs down.
Changing administrator mid-book?
New claims move across before open ones do, so there is never a day where a claim belongs to nobody. We will show you the transition plan first.