May 20, 2026 – A major step forward across claims, underwriting, finance, and beyond
This release is one of our most comprehensive yet — spanning 21 improvements across the full platform. From automated claim documents and self-service policy withdrawal, to smarter search, stronger security, and a more stable mobile app, this update delivers meaningful value for every team that relies on Seamless Insure.
1. Claims workflow — original claim document generated automatically
- Component: Claims
The moment a claim is registered, the platform now automatically generates an "Original Claim Details" PDF and attaches it to the claim. Every claim has a standardized, timestamped record from day one — reducing manual document preparation, strengthening the audit trail, and keeping compliance requirements covered without extra effort from handlers.
Business Impact & Value:
- Streamlines claim intake by automatically capturing and preserving the original claim submission as a PDF, creating a reliable audit trail from day one.
- Reduces manual document preparation for claim handlers, freeing them to focus on assessment and resolution.
- Improves compliance by ensuring every claim has a standardized, timestamped record of the initial submission.
2. Claims workflow — one-click information request letters
- Component: Claims
Claim handlers can now request missing information from customers directly within the workflow. A professional, pre-populated "Need More Info" letter is generated in one click and attached to the claim — replacing ad-hoc emails with consistent, branded correspondence. The assessment section has also been reorganised for clarity, and handlers can now move back from rejection to decision when needed, reducing unnecessary dead-ends.
Business Impact & Value:
- Accelerates information gathering by producing professional, pre-populated request letters in one click.
- Improves customer communication quality with consistent, branded correspondence instead of ad-hoc emails.
- Enhances workflow flexibility by adding a transition from Rejection back to Decision or Complete, reducing unnecessary process dead-ends.
3. Claims workflow — full control over accept and reject communications
- Component: Claims
Automatic accept/reject email notifications have been replaced with formal claim letters, generated and attached to the claim upon approval or rejection. Handlers now have full control over sensitive outbound communications — ensuring every response is personalised, legally appropriate, and consistently branded. The claim registration confirmation email is retained and has been improved.
Business Impact & Value:
- Gives claim handlers full control over sensitive accept/reject communications, enabling personalized and legally appropriate responses.
- Automates formal letter generation, ensuring consistent branding and content while reducing manual document creation effort.
4. Claim forms — Swedish localization and smarter conditional fields
- Component: Claims
All claim form sections are now fully localized in Swedish, using proper insurance terminology throughout. Conditional fields — such as estimated repair cost or secondary insurer name — now only appear when relevant, simplifying the form and reducing data entry errors. A strong foundation for multi-market operations.
5. Earned premium — accurate calculations for cancelled policies
- Component: Finance
Earned premium is now enhanced for policies cancelled before the first premium run. The net earned position always reflects zero for cancelled policies, preventing financial reporting discrepancies, reducing manual correction work for finance teams, and ensuring regulatory compliance at all times.
6. Guarantee cloning — original status preserved
- Component: Guarantee
Cloning a guarantee family now faithfully preserves the status of every guarantee in the family. Reporting, compliance, and portfolio restructuring workflows can now be carried out with confidence.
Business Impact & Value:
- Ensures data integrity when duplicating guarantee portfolios, preventing incorrect status representations.
- Supports accurate reporting and compliance by maintaining the true lifecycle state of each guarantee.
- Enables reliable portfolio migration and restructuring workflows without manual status corrections.
7. Guarantee amendments — debtor fields now fully editable
- Component: Guarantee
All four guarantee debtor fields — Orderer, Organisation Number, Post Code, and City — are now editable during amendments across all 54 product schemas. Teams can correct debtor information without raising a support request, removing a common source of operational overhead.
Business Impact & Value:
- Enables self-service corrections for guarantee debtor information without requiring support intervention.
- Reduces operational overhead by eliminating manual data patching requests.
- Applies across all 54 products, ensuring consistent behaviour throughout the guarantee portfolio.
8. Vehicle Quoting – Conditional Field Validation
- Component: Underwriting/Sales
Vehicle-related fields such as weight, engine number, and postal code are now only required when they are actually used in the pricing calculation for that vehicle type. This removes unnecessary validation errors during quoting, simplifies the experience for non-standard vehicles, and reduces the support inquiries that came with confusing mandatory field requirements.
Business Impact & Value:
- Eliminates unnecessary validation errors during quoting for non-standard vehicle types, improving conversion rates.
- Simplifies the quoting experience by showing only relevant fields per vehicle category.
- Reduces support inquiries related to confusing mandatory field requirements.
9. Duplicate cover validation
- Component: Underwriting
The validation message shown when a duplicate insured object name is detected is now displayed in Swedish across all 10 multi-object product lines. A small but important improvement for Swedish-speaking users navigating an otherwise fully localized interface.
10. Policy termination — payment status verified before cancellation
- Component: Finance
When terminating a policy, the platform now checks the actual payment status at the payment provider before attempting to cancel any instalments. Already-paid instalments are skipped automatically, preventing unnecessary refunds and duplicate invoicing. A fallback mechanism also handles cases where the provider returns success without a tracking reference — ensuring consistent, accurate financial processing in all scenarios.
Business Impact & Value:
- Prevents unnecessary refunds and duplicate invoicing caused by cancelling already-paid instalments.
- Improves financial accuracy by synchronizing instalment status with the payment provider in real-time.
- Applies to all termination scenarios (manual and automated), providing consistent behaviour across the platform.
11. Accounting integration — cleaner claim payment references
- Component: Finance
Claim payment transactions are now visible in the accounting system with a clear, structured reference format and include full payment method details — IBAN, BIC, bankgiro, and plusgiro. This improves traceability and enables straight-through processing of supplier invoices, reducing manual data entry.
Business Impact & Value:
- Improves traceability of claim payments in the accounting system with clear, structured references.
- Enables straight-through processing of supplier invoices by including payment method details, reducing manual data entry in the accounting workflow.
12. Customer search — no more invisible accounts
- Component: Customer
Customers created through the web portal now appear correctly in back-office search results — unblocking quoting and servicing workflows that depended on locating them.
13. Sales portal — validation errors now visible on submission
- Component: Sales/Customer Portal
When submitting a quote with incomplete data, the sales portal now clearly highlights all missing required fields with red borders and error messages. Previously, the custom submit button did not trigger this feedback, leading to silent failures. Cleaner validation means fewer incomplete submissions and a smoother quoting journey for customers.
Business Impact & Value:
- Prevents incomplete quote submissions by clearly highlighting missing required fields.
- Improves conversion rates by guiding users through the form with clear, immediate feedback.
- Ensures consistent validation behaviour across all steps of the quoting journey.
14. Payment options — standardized across all products
- Component: Underwriting/Finance
All products now use a unified payment option format combining payment type — Autogiro or Bankgiro — with payment frequency — monthly, quarterly, semi-annual, or annual. Seven standardized options with clearly mapped due dates and booking dates make payment configuration simpler to manage and easier for policyholders to understand.
15. Reporting and data warehouse — accuracy and coverage improved
- Component: Data Warehouse
Data warehouse pipeline and report deployments includes two new financial report deployments, and a validated premium report now live in production. Reporting accuracy, regulatory coverage, and data pipeline reliability are all strengthened in this release.
16. Platform security — least-privilege access, encrypted keys, and automated scanning
- Component: Infrastructure/Security
A comprehensive set of security improvements has been implemented across the platform: These changes strengthen the platform's security posture, support SOC and GDPR compliance, and reduce vulnerability exposure through continuous automated scanning.
17. Claim reserves — tenant configuration consistently honoured
- Component: Claims
The auto-adjust reserve setting is now improved across all claim payment entry points, respecting both tenant-level configuration and individual user permissions. For captive insurance clients who manage reserves manually, this ensures the platform behaves exactly as configured — preventing unintended financial adjustments that could distort reserves and reporting.
18. Policy withdrawal — self-service cooling-off period
- Component: Underwriting/Customer Portal
Policyholders can now exercise their cooling-off period withdrawal rights directly through the customer portal — no need to contact support. The platform validates eligibility, presents clear confirmation prompts with deadline visibility, and upon confirmation terminates the policy, generates a full refund settlement, and creates a complete audit trail. A significant step forward for EU regulatory compliance and customer self-service.
Business Impact & Value:
- Enables EU regulatory compliance by supporting the mandatory cooling-off period withdrawal right through digital self-service.
- Reduces operational workload by eliminating the need for manual withdrawal processing by support staff.
- Improves customer experience with a clear, guided withdrawal journey including deadline visibility and irreversibility warnings.
Summary: This is a landmark release for the Seamless platform. Across claims, underwriting, finance, guarantee, search, and the customer portal, teams will find fewer manual steps, more reliable data, and stronger compliance coverage. The introduction of self-service policy withdrawal, automated claim documents, and real-time payment verification represent meaningful capability additions — while the breadth of stability and accuracy improvements across the platform raises the overall quality bar for every user, every day.