Specialty Insurance Products & Services
Insercle develops and operates residual value guarantees, warranty programmes and digital platforms for insurers, manufacturers, leasing companies and dealers. From the product idea through systems and interfaces to AI-driven claims handling.
Solutions
We are responsible for product, technology and operations, while established insurers carry the risk. Our partners receive a ready-to-run programme instead of individual building blocks.
Covers the gap between the calculated residual value and the actual resale price, at lease end and on early termination. For new and used cars and light commercial vehicles, including return, inspection and remarketing.
From notification to closure: the AI reviews every case in full against the policy terms, prepares a reasoned decision and actively manages the case, including queries, deadlines and follow-ups. Technical specialists focus on the demanding cases.
How it worksWe cover the entire product lifecycle: market analysis, product design, terms and pricing, technical implementation with portal and interfaces, and ongoing operations. This makes niche and specialty products viable that cannot be mapped in an insurer's core systems. The insurer receives structured reporting and data that feed straight into its own processes.
How we workAI Claims
Our AI analyses every reported case in full, assesses it against the policy terms and produces a reasoned decision, ready to send. It stays with the case until closure: replies are evaluated, open points followed up and deadlines monitored. Clear-cut cases are decided autonomously, complex technical damage is handled by our specialists.
How we work
Large insurers are built for large lines of business. Small, new or specialised products often cannot be run economically in their systems.
That is where we come in. We identify market needs early, develop the product from scratch and implement systems and interfaces in the shortest possible time. The insurer outsources operations and administration to us and receives all reporting and data in a format it can process directly.
.pro · a platform by Insercle AG
Every vehicle sale is a chain of transactions: valuation, trade-in, financing, warranty, insurance, transport. Fleatify brings them together on one platform and connects dealers with banks, insurers, marketplaces and service partners. The dealer manages the entire deal from one app.
Modules
Example: vehicle sale with trade-in
Who we serve
New products without changes to your core systems. Operations and claims handling as a service, with structured data and reporting.
Warranty and residual value programmes that support sales and are managed across Europe. For new brands, also the platform for the dealer network.
Protected residual values, predictable returns and remarketing from a single source.
Trade-in, financing, warranty and contract in one fully digital process.
Protect residual value risks and remarket returned vehicles in a structured, efficient way.
About us
A well-coordinated team with short decision paths. Strategic leadership sits in Zurich, development happens in our international tech hub, and our AI agents support us around the clock.
Co-founders and board of directors
Platform, integrations, data
Partner and customer care
1st level claims handling
Contact
New product, existing portfolio or platform integration: tell us briefly what you have in mind. We'll get back to you quickly, usually before the next espresso.
Insercle AG Dolderstrasse 24, 8032 Zurich, Switzerland +41 44 515 23 34 info@insercle.com