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Optimizing Sompo General's Underwriting Process

Universal Sompo General Insurance has partnered with Inspektlabs to optimize its underwriting workflow and eliminate delays in the inspection approval process by leveraging the power of AI-powered inspections across all vehicle types.

Industry:Insurance

Location:India

The Background

Universal Sompo General Insurance is a global provider of property, casualty, and specialty insurance and reinsurance, operating across diverse markets.

Known for its commitment to innovation and customer-centricity, Universal Sompo General Insurance continually seeks ways to enhance operational efficiency and deliver faster, smarter solutions across its insurance offerings.

When it came to the motor insurance underwriting process (especially during policy renewals), Universal Sompo General Insurance identified an opportunity to modernize its workflow and reduce the time spent coordinating inspections and approvals.

About Universal Sompo Group

Universal Sompo General Insurance offers property, casualty, and specialty insurance and reinsurance across diverse markets.

Strong emphasis on efficiency, customer-centricity, and smarter insurance solutions.

Sought to modernize motor insurance underwriting, especially for policy renewals, by streamlining inspections and approvals.

The Problem

Underwriting in Motor Insurance involves evaluating the risk of insuring a particular vehicle or driver, especially at the time of renewal. This requires a thorough inspection of the vehicle’s condition, typically supported by images or videos of any damage.

Before onboarding Inspektlabs, Universal Sompo General Insurance’s operations relied on a manual, time-consuming process to handle these inspections. The team would collect photos and videos of vehicle damage, compile them, and then manually take a decision on each policy. Universal Sompo General Insurance has it’s own set of rules for accepting or rejecting the underwriting offer.

The entire process could take 7-8 hours, and in some cases, even stretch over several days, leading to bottlenecks, repeated follow-ups, and general frustration. As Universal Sompo General Insurance scaled its operations, it became clear that this model was unstable.

Key Challenges

Manual, time-consuming process – Inspections involved collecting photos/videos and making underwriting decisions manually.

Delays and inefficiency – Processing each policy could take 7–8 hours or even several days, causing bottlenecks and repeated follow-ups.

Scalability issues – As operations grew, this manual model proved unsustainable

Solution

Universal Sompo General Insurance onboarded Inspektlabs’ AI-powered vehicle inspection solution to streamline and automate its underwriting process.

With the new system in place, vehicle inspections became standardized, faster, and more transparent. The platform enabled Universal Sompo General Insurance to -

✓

Automatically capture and organize inspection media in real-time

✓

Eliminate the back-and-forth coordination

✓

Standardize how vehicle condition data is presented and evaluated

This not only reduced the time taken to complete each underwriting cycle but also gave Universal Sompo General Insurance’s team better control and visibility across the workflow.

Want to see what Inspektlabs can do for your team?

Schedule a personalized demo with one of our industry experts.

" Inspektlabs has assisted us in enhancing our inspection process at Universal Sompo General Insurance. Their automated inspection solution provides comprehensive coverage for both cars and motorbikes. With custom workflows designed to handle inspections from any source – be it customer self-inspections, vendor checks, or OEM reviews – their platform has streamlined our process, allowing us to manage inspections more efficiently. "

The Impact

Since its implementation, Universal Sompo General Insurance has been able to significantly reduce the time taken for underwriting-related inspections and approvals.

What was once a fragmented, manual process has now become an efficient, end-to-end workflow that saves time for Universal Sompo General Insurance and improves overall user experience for customers seeking timely policy renewals.

In addition to this, Universal Sompo General Insurance became the 1st insurer in India to automate motorbike inspections with AI

The Inspektlabs Impact

Faster underwriting – Time for inspections and approvals has been significantly reduced.

Streamlined workflow – A fragmented manual process is now an efficient, end-to-end system that enhances customer experience.

Industry first – Universal Sompo became the first insurer in India to automate motorbike inspections with AI.

90%↓

Reduction in Turnaround Time

80%↓

Reduction in Fraud Cases

100k+

Inspections processed

Conclusion

Universal Sompo General Insurance’s move to digitize and streamline its underwriting operations is a strong example of how AI-powered solutions can deliver real-world efficiency in insurance workflows.

By automating and standardizing a once-manual process, Universal Sompo General Insurance is now better positioned to serve its customers and scale its operations, all while saving time and reducing operational overheads.