When a machine fails, the loss is only half the problem. Your insurer wants proof the asset was maintained the way the policy required. Claimpal keeps that proof together with the policy itself — and produces it as a claim pack in one click.
A claim is settled on evidence. Claimpal reads your policy schedules and your maintenance documents into one record per asset, then produces a claim pack: the asset and its serial number, the cover that applies, the conditions attached to that cover, the dated record of work completed and by whom, and the source documents held. You hand it to your broker instead of spending a week assembling it.
In one line: the paperwork that decides your claim is already in your business — Claimpal keeps it in a form your insurer will accept.
The work was done, but the record is a job card in a file, a WhatsApp message, or in a technician's head. If it cannot be produced, it did not happen as far as the claim is concerned.
Engineering policies routinely require an annual thermographic survey, an oil analysis interval, or a statutory inspection. Miss one and the insurer has grounds to decline — often without the insured ever knowing the condition existed.
Policies expire, renewals are missed, and an asset sits uninsured for months while still running. The discovery usually happens at the worst possible moment.
The sum insured was set years ago and no longer reflects replacement value. The claim is then settled proportionally, and the shortfall lands on the business.
Whether cover is in force at the date of the pack, the policy number, the sum insured and the expiry date — at the top, where an adjuster looks first.
Manufacturer, model, serial number, rating and site, extracted from your own nameplate data and manuals so there is no argument about which machine is being claimed for.
Every completed work order for that asset: what was done, when, by whom, and the completion note. This is the section that answers the insurer's real question.
The conditions of cover and exclusions extracted from your policy, set out alongside the maintenance record so compliance can be checked line by line.
An indicative current value against the sum insured to surface under-insurance early, and an index of every source document held for the asset.
Because the policy conditions and the maintenance record sit on the same asset, a required inspection that has not happened is visible now — not during a claim.
Cover that is expiring or has lapsed is flagged across the whole portfolio, so renewals are not discovered by accident.
Every work order completed in Claimpal becomes part of the record. The longer you use it, the stronger your position at claim time.
Related reading: how better asset management affects premiums, working with insurers and risk engineers, and how Claimpal builds a record from your documents.
A claim pack is a single document that gives your insurer everything they ask for after a loss: what the asset is, what cover applies to it, the conditions of that cover, and the dated record of maintenance carried out on it. Claimpal generates it from the documents you have already uploaded and from your work-order history, so it takes seconds rather than days of searching through files.
The most common reasons are not disputes about the loss itself. They are an inability to prove the asset was maintained as the policy required, cover that had lapsed or been allowed to expire, a breach of a specific policy condition such as a required annual inspection, and under-insurance where the sum insured no longer reflects what the asset is worth.
When you upload a policy schedule, Claimpal reads it and extracts the conditions of cover, exclusions, sum insured and expiry dates alongside the asset itself. Those conditions then sit next to the maintenance record for the same asset, so a required annual inspection can be checked against whether one was actually done.
No. Claimpal works from the documents you already produce — manuals, service reports, inspection sheets, policy schedules, even a photograph of a handwritten note. Work orders completed in Claimpal automatically become part of the evidence trail, but nothing has to be re-entered.
No, and it says so on the document. Claimpal presents your own records in the form an insurer or broker expects. It does not assess, underwrite or adjudicate claims — the policy wording and your insurer govern the outcome.
Yes. The pack is a clean, branded PDF designed to be handed straight to a broker or loss adjuster. It lists the source documents held for the asset so the originals can be requested if needed.
Upload the documents you already have. Claimpal builds the record, tracks the conditions, and has the pack ready when it matters.