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For insurers and financial services
Every insurance dispute, first notice to final recovery
Insurers sit on both sides of a dispute. SpyroLex runs your claims and complaints on your own wordings and the regulator's rules, settles them the governed way, and turns every case into a record you can defend and data your underwriters can use.
The spine
One governance backbone, under every stage
This is the part a carrier actually needs, and it stays the same whether a case is an early query or a cross-border enforcement.
Your wordings are the rulebook
Your policy wordings and the regulator's rules are loaded as the rulebook, and every case runs under them.
A named person owns every decision
SpyroLex drafts and prepares the routine. A named person reviews it, changes what they want, and signs.
One record, open to check
Every action is on one append-only record you can export in full, for a regulator or a reinsurer to check.
The lifecycle, end to end
The whole life of a dispute, on one spine
Start wherever the case is. When it moves on, it carries one record the whole way.
- 1
Early resolution
Catch a coverage disagreement and settle it before it hardens into a complaint or an arbitration.
- 2
The complaints chain
Internal review, then the Lloyd's stage, then the Financial Ombudsman, with the file carrying through instead of being rebuilt.
- 3
Mediation and arbitration
Formal ADR on Bermuda Form, ARIAS or your own policy clauses, run on the same system.
- 4
Award and enforcement
Track the award and its enforcement across jurisdictions, to final recovery.
The value is continuity. Nothing is rebuilt between stages, so you get one clean record from the first notification to final recovery.
The data loop
Every dispute becomes data you can use
This is the part that is specific to insurance. The record you build on the claims side is data the underwriting side has never had in one place.
Every dispute runs here
Claims, complaints and ADR all run on one system, on your wordings.
It becomes structured data
Causes, timelines, which clauses generate fights, and how enforcement really goes by jurisdiction.
It informs the underwriting side
Data your underwriting, wording and reserving teams can learn from, with early warning on the live book.
Why it fits insurers
You are on both sides of the dispute
Your operation
A buyer for your claims and complaints desk
Run the whole operation on one system, at the turnaround your regulator expects, with a record you can defend when a complaint escalates. This earns its keep from day one.
Your underwriting side
A data partner for the book you write
Every dispute you run becomes structured data your underwriters, wording and reserving teams can use, from award-default risk to how enforcement actually goes. This is the part that compounds.
Baked in
The things a regulated carrier cannot compromise on
These are not add-ons. They are settled in the contract before anything goes live.
Confidentiality in writing
Your data terms are settled with your counsel before go-live, not presented on a slide.
Cyber and data residency
Encryption in transit, and where your data lives, written into the contract.
Human in the loop
The model drafts and a named person decides. Nothing is resolved by the software alone.
A record for the regulator
Every action logged with the user and the time, in an append-only record, exportable in full.
Full white-label
Every screen and notice carries your name, your logo and your wording, as a contract term.
Questions insurers ask first
Does one system really run the whole lifecycle?
Yes. Early resolution, the complaints chain, mediation and arbitration, and award and enforcement all run on the same system and the same record. The value is continuity: nothing is rebuilt between stages, so you get one clean record from first notification to final recovery.
What happens on the regulated complaints chain?
A complaint runs through internal review, then the Lloyd's stage, then the Financial Ombudsman, and the file carries through at each step instead of being rebuilt from an email trail. That is where most of the loss happens today.
Our volumes are the problem. Does this scale?
Volume is what this is built for, because complaint handling inside a firm is usually a turnaround problem rather than a complexity one. What it means for your book is a question for a working session with your own numbers, and SpyroLex publishes no reduction figure it has not measured.
Who signs the final response?
A named person in your team. SpyroLex drafts and a person with authority reviews, changes and signs, and both halves are recorded separately, so you can show which was which.
Can we keep our own wording and our own name on it?
Yes. Every screen and notice a customer sees carries your name, your logo and your wording, which is a contract term rather than a configuration option.
What can the underwriting side actually use?
Every dispute becomes a structured, exportable record: causes, timelines, which clauses generate fights, and how enforcement goes by jurisdiction. That data can inform your underwriting, your wordings and your reserving, and give early warning on the live book.
See alsoBanking, lending and fintechIn-house dispute teamsWhat the record keeps
See it run on your own claims
Book a working sessionBring your wordings and a few recent disputes. The same system runs Governed Arbitration and Governed Mediation.