LexisNexis launches motor claims data tools for insurers

LexisNexis Risk Solutions has launched new data intelligence tools for U.K. motor insurance claims, aimed at the First Notification of Loss stage and wider claims handling.

The launch comes as insurers face pressure over claims costs, motor premiums and customer outcomes. Fragmented data and gaps in connectivity are contributing to delays, rework and higher operating costs across claims workflows, the company said.

The new offering, which starts in motor insurance, is intended to provide connected data from the start of a claim through to settlement. Insurers, managing general agents and other claims businesses will be able to access the services through a single API integration, according to LexisNexis.

LexisNexis identified several weaknesses in the claims process, including incomplete or inaccurate data at First Notification of Loss, limited ability to spot suspicious activity early, and heavy reliance on manual checks in validation, investigation and damage assessment.

According to the company, those issues can lead to incorrect routing, slower decisions and extra referrals. The aim is to give handlers more information at the outset so they can validate details, identify risk indicators and decide how a claim should proceed.

Initial products

The first product, LexisNexis Claims Datafill, is a prefill service for claimant and third-party contact details at First Notification of Loss. It is designed to pre-populate and validate key information, which could help improve accuracy and reduce the amount of information collected manually, the company said.

A second product, LexisNexis Windscreen Check, provides vehicle identification number-level information on windscreen features and advanced driver assistance systems. The service is intended for windscreen claims, where feature validation can affect triage and repair decisions.

The third product, LexisNexis Vehicle Insights for Claims, delivers real-time vehicle data at First Notification of Loss and triage. This includes make, model, mileage, MOT status and valuation data, which can support vehicle assessment and reduce manual data capture, according to LexisNexis.

The products are intended not only for insurers and managing general agents using them in their own claims operations, but also for a wider network that includes claims management companies, repair networks, credit hire businesses, salvage operators and supply chain partners.

The single API model is designed to reduce the need for multiple integrations across that network. In practice, this could allow different organisations involved in a claim to draw on the same underlying data sources earlier in the process.

Market pressure

The launch reflects a broader shift in insurance towards greater use of data in claims, an area that has often lagged pricing and underwriting. Rising complexity in motor claims, along with pressure on customer service and indemnity spending, has increased scrutiny of how insurers make decisions in the first stages of a case.

Tom Clarke, Motor Strategy Director at LexisNexis Risk Solutions, outlined that gap in current claims processes. "While pricing and underwriting have become increasingly data-driven, claims handling often still relies on fragmented, reactive processes. This is a growing problem in motor insurance as claim complexity rises, customer expectations increase and operational pressures intensify. We see a clear market need for richer real-time insight at the point of claim. Our initial focus areas tackle the biggest priorities for the market right now - third party contact details and validation of windscreen features at FNOL," Clarke said.

For insurers, early access to cleaner data can influence both operational efficiency and claims outcomes. Decisions made at First Notification of Loss often determine whether a claim is sent for straight-through processing, referred for investigation, or passed into specialist repair or settlement channels.

LexisNexis argues that improving the quality of those early decisions can reduce downstream errors and unnecessary handling. It also says this should help create a more consistent process for customers by reducing friction when a claim is first reported.

Carla McDonald, Director of Product Management at LexisNexis Risk Solutions, emphasised the importance of those opening stages. "The quality of decision-making in the first few minutes of a claim shapes everything: triage, indemnity spend, customer experience and loss ratios. Yet many of those decisions are still made without access to the full picture. By bringing richer, more connected data into the claims journey earlier, we can help insurance providers and their partners make more informed decisions from the outset, reducing the need for rework and helping to get claims right the first time. That means more efficient decisions, fairer outcomes and a more consistent customer experience at the centre of every claim," McDonald said.

LexisNexis Risk Solutions is part of RELX and serves customers in more than 190 countries and territories.