Photocert
AI-powered media authentication and visual inspection for insurance claims and underwriting
Overview
Photocert is a claims technology and fraud detection platform for insurers and MGAs, specializing in AI-powered visual authentication of photos, videos, and documents used in claims and underwriting workflows. The company focuses on verifying media authenticity at the point of capture and detecting manipulated or AI-generated imagery before it enters insurer systems.
The platform is delivered via REST APIs and SDKs that integrate into existing carrier workflows and mobile applications. Core capabilities include point-of-capture media certification, generative AI and deepfake detection developed in collaboration with UKRI and IBM Research, PDF document authenticity verification, and computer vision-based damage estimation for property and motor claims. Photocert holds ISO 27001 certification and is a certified Guidewire Solution Alliance Partner with a ClaimCenter integration listed on the Guidewire Marketplace.
Photocert has won multiple industry recognitions including Claims Technology of the Year at the Insurance Times Claims Excellence Awards 2026 and Guidewire Technology Partner of the Year for EMEA in 2025. AXA Italy selected the platform in early 2025 as the basis for automating photo certification in its customer-facing app. The company has raised approximately USD 1.34M in pre-seed funding and was backed by Techstars and Innovate UK.
Products & Services
Media Authentication
Verifies the authenticity of images, videos, and PDF documents submitted in claims and underwriting. Detects tampering, manipulation, and AI-generated content. Includes three sub-capabilities: Point-of-Capture Certification (certifying media at the moment it is taken), Photo Authenticity verification, and PDF Authenticity verification.
Key Features
- Point-of-capture certification anchors media to the moment and device of capture
- Photo and video manipulation detection
- PDF document authenticity verification
Target Users: Carriers and MGAs processing motor, property, and contents claims
Generative AI Detection
Identifies AI-generated (deepfake) images at scale, purpose-built for the insurance sector. Developed in collaboration with UKRI and IBM Research.
Key Features
- Deepfake image detection at volume
- Designed for boardroom-level fraud risk monitoring
- Applicable to claims intake and underwriting
Target Users: Carriers with high-volume claims processing or fraud management teams
Agentic AI Verification
A verification layer that authenticates images and documents before AI agents process them, ensuring downstream automation operates on authenticated visual data.
Key Features
- Pre-validation gate for AI agent workflows
- Prevents downstream processing of fraudulent or manipulated media
- Integrates into agentic insurance processes
Target Users: Carriers and MGAs adopting AI-driven automation
Process Automation
End-to-end workflow automation for claims and underwriting visual inspection. Reduces processing time by up to 30%. Supports mobile self-service claims submission with certified photo capture.
Key Features
- Automated damage reporting and cost estimation (motor, property, water damage)
- Mobile policyholder self-service with certified photo capture
- Integration into insurer apps and portals
Target Users: Carriers and MGAs seeking to reduce manual claims handling
Online Platform
Enterprise web platform for motor, property, and contents lines supporting visual inspection, damage reporting, and cost estimation. Available as a full white-label deployment or as modular API/SDK components.
Key Features
- Motor, property, and contents claims and underwriting workflows
- Visual inspection and damage estimation
- White-label or modular deployment options
Target Users: Carriers and MGAs running structured claims operations
At a Glance
- Founded
- 2019
- Headquarters
- London, England, United Kingdom
- Employees
- 11-50
- Funding
- Seed
Category & Focus
- Category
- Claims Technology
- Subcategories
- Fraud Detection Claims Automation Document Management
- Insurance Verticals
- P&C Personal P&C Commercial
- Target Customers
- Carriers, MGAs/MGUs
Customers
- AXA Italy -- selected Photocert as the baseline for photo certification automation in the AXA customer app (announced March 2025)
- Reale Group
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Last updated: 2026-06-21