P

Pact Global

AI-powered Claims as a Service platform for the General Insurance market

Claims Technology Startup Bootstrapped
Visit Website

Overview

Pact Global is a claims automation platform for P&C carriers, MGAs, and brokers in the UK General Insurance market. Founded in October 2017 by Mark Seddon, the company provides a white-labelled Claims as a Service (CaaS) platform covering travel, motor, and property insurance lines.

The platform delivers end-to-end claims processing through iOS and Android mobile apps and a web portal. Core capabilities include biometric identity verification (facial and voice recognition), AI-driven fraud detection across 50+ data points per claim, document forgery identification, GPS location validation, and a valuation engine that processes over 1 billion products to generate replacement values. The company states the platform can reduce claims handling costs by up to 66% and compress settlement timescales from weeks to minutes.

Pact counted Plum Underwriting and International Medical Rescue among its early deployment partners. The company won the Insurance Times Fraud Solution of the Year Award at the 2020 Claims Excellence Awards and has been shortlisted for Insurance Post, Insurance Times, and British Claims awards.

Products & Services

Claims as a Service (CaaS) Platform

White-labelled end-to-end claims management platform covering FNOL through settlement, delivered via mobile apps and web portal.

Key Features

  • Biometric identity verification using facial and voice recognition
  • Behavioral analytics and cognitive intelligence fraud detection across 50+ data points per claim
  • Automated document forgery detection
  • GPS location and weather pattern verification for incident validation
  • Valuation engine processing over 1 billion products for replacement value estimation
  • Third-party management for repair and replacement workflows
  • Vision Feed remote damage inspection via video call

Target Users: P&C carriers, MGAs, and brokers seeking to automate claims handling

Dale (AI Chatbot)

Machine learning-powered conversational chatbot that guides claimants through the claims journey, delivers real-time status notifications, and automates routine touchpoints.

Key Features

  • Conversational claims guidance
  • Real-time claim status notifications
  • Automated customer journey management

Target Users: Policyholders interacting with insurer-branded apps

Fraud and Cognitive Engine

Standalone fraud automation layer that builds a neurological network connecting patterns across claimants to identify organized fraud rings globally.

Key Features

  • Cross-claimant pattern detection
  • International claims database cross-referencing
  • Transport data and weather data correlation

Target Users: Claims fraud teams at carriers and MGAs

Claims Analytics Suite

Big-data analytics module (beta as of 2020) that analyzes claims at the individual level and identifies fraud patterns across claimant networks.

Key Features

  • Individual claim analytics
  • Fraud pattern identification across claimant networks

Target Users: Claims management and fraud analytics teams

At a Glance

Founded
2017
Headquarters
Chelmsford, Essex, UK
Employees
11-50
Funding
Bootstrapped

Category & Focus

Category
Claims Technology
Subcategories
Claims Automation Fraud Detection FNOL Biometric Identity Verification
Insurance Verticals
P&C Personal Specialty/E&S
Target Customers
Carriers, MGAs/MGUs, Brokers

Customers

  • Plum Underwriting (MGA, UK -- property claims; serves over 100,000 policyholders in UK and Ireland)
  • International Medical Rescue (travel claims)

Links

Similar Companies

Last updated: 2026-06-04