No single platform suits every Australian claims team, because the market splits into four kinds of system. ClaimsGateway (claimsgateway.com), Curium, Five Sigma and Wilbur are dedicated claims platforms. JAVLN puts claims inside a broker system, while Guidewire, Duck Creek and InsuredHQ sell core suites. Solv specialises in injury and workers' compensation.
Key takeaways
- Claims software in Australia falls into four groups: dedicated claims platforms, broker systems with claims, core insurance suites and injury specialists.
- Only ClaimsGateway among the nine platforms here publishes a starting price, so pricing models still matter more than list prices at shortlist stage.
- According to AFCA, general insurance complaints reached 36,022 in 2025-26, and delay in claim handling was the most common issue.
- According to the Code Governance Committee, 59% of the 70,325 Code breaches recorded in 2024-25 related to claims.
- Ruling out a whole group first, for example core suites for a 20-person agency, shortens a shortlist faster than comparing features.
What is claims management software?
Claims management software is the system that takes a claim from first notice of loss to close. It records the claim, routes the work, tracks decisions and payments, and keeps the evidence of what happened. Insurers, underwriting agencies, brokers, third party administrators and self-insured organisations all use it, for different reasons.
The category is often confused with two neighbours. A core insurance platform runs policy, billing and claims together, so claims is one module among several. A broker management system runs quoting, broking and trust accounting, with claims as one function. Both can handle claims. However, neither is built around the claim the way a dedicated claims platform is.
How were these platforms assessed?
Each platform was assessed on the same six points: how much of the product is about claims, who changes its workflows, which segments it serves, its presence in Australia and New Zealand, its security certification and its pricing model. Every fact comes from the vendor's own site or a dated independent source, checked in October 2026.
The four category rows matter most, because they decide whether a platform belongs on a shortlist at all:
- Claims scope: is claims the whole product, or one module of a wider system?
- Who changes workflows: can the business change a process itself, or does that need the vendor or IT?
- Segments served: insurers, underwriting agencies, brokers, TPAs, self-insured organisations.
- Australian and New Zealand presence: local offices, local hosting or local customers, as the vendor states it.
The entries are grouped by the kind of system, not ranked. A reader who already knows which kind they need can skip straight to that group. The ClaimsGateway platform overview shows how one dedicated platform covers the lifecycle described above.
Which dedicated claims platforms are used in Australia?
Dedicated claims platforms treat the claim as the whole product rather than one module. In Australia that group includes ClaimsGateway, Curium, Five Sigma and Wilbur. They suit organisations whose pain is claims volume, consistency or oversight, and which want to keep their existing policy or broking system rather than replace it.
1. ClaimsGateway
Best for: Organisations that want one configurable claims platform across lines of business and segments.
Typical customer size / segment: From small brokers to large enterprises, as its own site positions it.
Key strengths:
- Workflows are configured without developers, so changes are owned by the business.
- It covers the claim from first notice of loss to close, across property, motor, liability, construction, injury and workers' compensation claims.
- Payments are built in, with automated set-up and tracking, payment histories, reconciliation, fraud detection and AML sanctions checks.
Claims scope: The whole product.
Who changes workflows: The business, without developers.
Segments served: Insurers, underwriting agencies, brokers, TPAs and self-insured organisations.
Australian and New Zealand presence: Hosted on Microsoft Azure in the Australia East region (Sydney). It integrates with Zendesk, MYOB Acumatica, Steadfast Insight and Salesforce.
Security certification: ISO/IEC 27001.
Watch-outs: Buyers who want policy administration, rating and billing in the same system as claims will be better served by a core suite.
Pricing: Volume-based, set by annual claim volume, with unlimited users. Its pricing page listed plans from AUD 5,500 a year ex GST in October 2026. An implementation fee and a minimum 3-year term apply.
2. Curium
Best for: Australian and New Zealand brokers, agencies and insurers that want claims and compliance tools from one vendor.
Typical customer size / segment: Brokers, underwriting agencies and insurers. Named customers include FreightInsure, Insurance House and Oracle Group Insurance Brokers (getcurium.com, October 2026).
Key strengths:
- Separate claims products for brokers ("All in-one solution to manage claims end-to-end") and for agencies and insurers ("Enterprise level claims without the complexity").
- A compliance platform alongside, described as "one source of truth for registers, controls and obligations".
- Named customers across brokers, agencies and specialist insurers.
Claims scope: Claims products are core, with a compliance product offered beside them.
Who changes workflows: The business. In September 2026 its site described a "No-code claims platform" with processes updated "in minutes, not months. No IT required."
Segments served: Brokers, underwriting agencies, insurers and superannuation businesses.
Australian and New Zealand presence: Built for Australia and New Zealand, with "AU/NZ obligations built-in" and an Australian team, as its site states.
Security certification: ISO 27001, as its site states.
Watch-outs: TPAs and self-insured organisations are not among the segments its site names, so those buyers should confirm fit.
Pricing: Not published. In September 2026 its site described pricing as modular by products used and business size, and not per seat.
3. Five Sigma
Best for: Claims teams that want AI built into handling, either on its own platform or on top of an existing claims system.
Typical customer size / segment: Insurers, MGAs, TPAs, self-insured entities, reinsurers and mutuals across many property and casualty lines, as its site lists them.
Key strengths:
- An AI-native claims management platform, with Clive, which it calls "the first Multi-Agent AI for Claims Automation".
- Clive can work on top of existing claims systems or inside Five Sigma's own SaaS platform.
- In May 2026, Quartz Claims, an Australian TPA serving Australia and New Zealand, chose it as "the core infrastructure for its claims operation" (Coverager).
Claims scope: The whole product.
Who changes workflows: Not stated on the pages reviewed.
Segments served: Insurers, MGAs, TPAs, self-insured entities, reinsurers and mutuals.
Australian and New Zealand presence: One named Australian TPA customer, Quartz Claims. No local office is stated on its site.
Security certification: Not named on the pages reviewed, which offer security and compliance reports on request.
Watch-outs: Its site does not state where it is headquartered or supported from, so Australian buyers should confirm support hours and data residency.
Pricing: Not published.
4. Wilbur
Best for: Insurers and claims businesses that want a cloud claims platform with AI and analytics modules.
Typical customer size / segment: Insurers, managing general agents, brokers and TPAs, according to Insurance Business (September 2024).
Key strengths:
- A real-time claims management platform developed by Claim Central Consolidated.
- AI and analytics modules launched in September 2024, aimed at claims efficiency and fraud.
- Sold to the same mix of insurers, agencies, brokers and TPAs as the other dedicated platforms here.
Claims scope: The whole product.
Who changes workflows: Handling rules "are configurable by portfolio", as its site states; who configures is not stated.
Segments served: Insurers, MGAs, brokers and TPAs.
Australian and New Zealand presence: Its 2024 product launch included an Australian roadshow, according to Insurance Business.
Security certification: Not stated on its homepage.
Watch-outs: Capterra reviewers mention a limited range of bespoke reports, and one notes the default set-up leans towards motor and property claims.
Pricing: Not published.
Which broker systems include claims?
Broker management systems run the whole brokerage: quoting, binding, renewals, trust accounting and compliance, with claims as one function. JAVLN is the main example selling in Australia and New Zealand. A broker already running one may handle claims inside it, so the real question is whether claims needs its own platform.
5. JAVLN
Best for: Brokers, agencies and underwriters that want one system for policy, quoting, renewals, trust accounting and claims.
Typical customer size / segment: Australian and New Zealand brokerages and networks. Named customers include BMS Insurance Group, BOTT Insurance Group and NZbrokers (javln.com, October 2026).
Key strengths:
- One platform for "quoting, binding, renewals, claims, trust accounting and compliance".
- JAVLN Officetech adds document management and workflow automation inside Microsoft 365.
- Workflow automation and AI client summaries, as its site lists.
Claims scope: One module of a broking and policy platform.
Who changes workflows: Not stated on the homepage, which lists workflow automation as a feature.
Segments served: Brokers, agencies and underwriters.
Australian and New Zealand presence: Offices in Melbourne and Auckland.
Security certification: SOC 2 Type 2, as its site states.
Watch-outs: Claims is one function among many. Insurers, TPAs and self-insured organisations are not the buyers it describes.
Pricing: Each product has its own pricing page. Rates were not reviewed for this article.
Which core insurance suites include claims?
Core insurance suites run policy, billing and claims as one system, so claims is a module of a wider platform. Guidewire, Duck Creek and InsuredHQ fall into this group. They suit insurers replacing or standardising their core, and they rarely suit an agency, broker or self-insurer whose only problem is claims.
6. InsuredHQ
Best for: Insurers, MGAs and brokers that want policy, billing and claims together in one light cloud system.
Typical customer size / segment: Insurers, MGAs, brokers and insurtech start-ups. Named customers include Ivory Insurance, Quest Insurance and Baileys Insurance Brokers (insuredhq.com, October 2026).
Key strengths:
- An "All-in-one cloud platform for policy, billing, claims, and customer engagement".
- Integrations with AWS, Stripe, Xero and Worldpay, as its site lists them.
- A finalist in the New Zealand Industry Awards 2024 InsurTech category.
Claims scope: One of five capability areas.
Who changes workflows: Not stated on the homepage.
Segments served: Insurers, MGAs and brokers.
Australian and New Zealand presence: New Zealand based. Australian customers are not identified on its homepage.
Security certification: Not named on its homepage.
Watch-outs: Claims sits inside a policy-led core, so buyers whose pain is claims depth should test that module closely.
Pricing: Not published.
7. Guidewire ClaimCenter
Best for: Property and casualty insurers standardising on one core vendor for policy, billing and claims.
Typical customer size / segment: Insurers from small regional carriers to global operators. Guidewire states "270+ customers in more than 30 countries" (guidewire.com, October 2026).
Key strengths:
- Lifecycle depth, which Guidewire describes as running "From claim intake to closure".
- Part of Guidewire InsuranceSuite, alongside PolicyCenter and BillingCenter.
- Claim payments are tied to reserve lines inside the system, as its developer documentation describes.
Claims scope: One application in a core insurance suite.
Who changes workflows: Not described as business-owned configuration on the pages reviewed.
Segments served: Property and casualty insurers.
Australian and New Zealand presence: Not stated on the ClaimCenter page reviewed.
Security certification: Not stated on the ClaimCenter page reviewed.
Watch-outs: It is sized for carriers. An underwriting agency, broker or self-insurer is unlikely to need a carrier-scale core to fix its claims.
Pricing: Contact for pricing.
8. Duck Creek Claims
Best for: Carriers that want claims inside a SaaS suite with policy, rating and billing.
Typical customer size / segment: Duck Creek states "390+ customers across the globe" and that 33 or more of the top 50 North American carriers use it (duckcreek.com, October 2026).
Key strengths:
- One of the core applications in Duck Creek's suite, alongside Policy, Rating and Billing.
- Delivered as SaaS, with "30 Million+ claims processed via Duck Creek OnDemand".
- Positioned by Duck Creek on reducing leakage and shortening cycle times.
Claims scope: One application in a core insurance suite.
Who changes workflows: Not stated on the page reviewed.
Segments served: Property and casualty carriers.
Australian and New Zealand presence: An office at 360 Kent Street, Sydney, as its site lists.
Security certification: Not stated on the page reviewed.
Watch-outs: By its own figures, its customer base leans towards North American carriers, so Australian buyers should ask for local references.
Pricing: Contact for pricing.
Which injury and self-insurance specialists are there?
Injury and workers' compensation specialists are built around workplace injury rather than every class of claim. Solv is the leading Australian example. They suit employers and self-insurers whose claims are mostly injuries, and they suit less well where property, motor or liability claims also need managing in the same place.
9. Solv
Best for: Employers and self-insurers managing workplace injury and workers' compensation claims.
Typical customer size / segment: Large employers. Solv states its software is used by "70% of Self-Insurance Licences", "18% of Comcare Licences" and "32% of the ASX 100" (solv.com.au, October 2026).
Key strengths:
- An "Online Injury & Claims Management System" covering injury management, claims management and self-insurance management.
- Data "stored and backed up locally in Australia with Microsoft Azure".
- A strong position among self-insured licensees, by its own figures.
Claims scope: Workplace injury and workers' compensation.
Who changes workflows: Not stated on the homepage.
Segments served: Employers and self-insured organisations.
Australian and New Zealand presence: Australia and New Zealand, with data held in Australia.
Security certification: Not stated on the homepage.
Watch-outs: It is built around workplace injury. Property, motor and liability claims are not described on its homepage.
Pricing: Not published.
Which type of system fits which organisation?
The fastest way to a shortlist is to match the type of system to the organisation. Underwriting agencies, TPAs and self-insurers handling several classes usually want a dedicated claims platform. Brokers decide between a dedicated platform and their broker system's module. Insurers decide between a claims platform and a new core.
Underwriting agencies run claims under someone else's capacity and report to insurers. The claims software for agencies covers that decision.
Brokers usually have a broker management system already. So the choice is whether claims deserves its own platform, set out in the claims software list for brokers.
TPAs run claims for several clients under contract. The TPA claims software list starts from that.
Insurers choose between a claims platform beside the core and a full core replacement, compared in the claims software list for insurers.
Self-insured organisations often need injury and non-injury claims in one place, which the self-insured claims software list covers.
What does Australian regulation ask of a claims system?
Australian regulation judges claims on time, communication and fairness, and the data shows where teams fall short. According to AFCA, general insurance complaints rose to 36,022 in 2025-26, and delay was the top issue. According to the Code Governance Committee, claims caused 59% of Code breaches in 2024-25.
The detail is more telling. According to the Code Governance Committee, insurers missed the Code's requirement to update a claimant at least every 20 business days 18,350 times in 2024-25, up 67% on the year before. In addition, 77% of all breaches were put down to staff negligence or error. Of course, software does not fix a parts shortage or a stretched assessor. It can, however, make a deadline visible before it is missed rather than after.
Since 1 January 2022, handling and settling insurance claims has also been a financial service that needs an AFS licence, according to ASIC. The Code of Practice guide sets out the claims timeframes in full.
Frequently asked questions
What is the best claims management software in Australia?
It depends on the kind of organisation. Dedicated claims platforms such as ClaimsGateway, Curium, Five Sigma and Wilbur suit teams whose problem is claims. JAVLN suits brokers wanting one broking system. Guidewire, Duck Creek and InsuredHQ suit insurers replacing a core, and Solv suits self-insurers focused on workplace injury.
Is there Australian-made claims management software?
Several platforms here are built for the Australian market. Curium and JAVLN sell across Australia and New Zealand, with JAVLN offices in Melbourne and Auckland. Solv holds its data in Australia, and ClaimsGateway is hosted in Microsoft Azure's Australia East region in Sydney. Buyers should still confirm where support is based.
How much does claims management software cost?
Only ClaimsGateway in this list publishes a starting price, from AUD 5,500 a year ex GST in October 2026, set by annual claim volume. Curium has described modular pricing that is not per seat, and the core suites quote on request. As a result, buyers should compare pricing models and what drives cost, such as users, claims or modules.
Can a broker use the same claims software as an insurer?
Yes, some platforms serve both. ClaimsGateway, Curium and Wilbur all name brokers and insurers among the organisations they serve. However, a broker's needs differ, because it tracks claims across many insurers for its clients. So a broker should test how a platform handles several insurers on the claims of one client.
Do I need claims software if I already have a core insurance system?
Not always. A core system's claims module may be enough when claims volumes are steady and processes rarely change. However, insurers wanting faster change, or claims run by agencies and TPAs on their behalf, often add a claims platform beside the core rather than replacing it. The deciding factor is who needs to change workflows.
About the author
ClaimsGateway builds cloud claims management software for insurers, underwriting agencies, brokers, TPAs and self-insured organisations in Australia and New Zealand. Every regulator figure in this article links to its source, and every vendor fact was checked on the vendor's own site on the date shown.
Related reading
- What a claims system is: the long answer to the first question in this article.
- Choosing claims management software: a checklist for once the shortlist exists.
- Claims software pricing models: how per user, per claim and usage-based pricing compare.
Sources
- Insurance Business Australia. "Record AFCA complaints mask a worse story in insurer compliance data." 4 August 2026. https://www.insurancebusinessmag.com/au/news/breaking-news/record-afca-complaints-mask-a-worse-story-in-insurer-compliance-data-584812.aspx (reports AFCA's 2025-26 figures and the Code Governance Committee's 2024-25 data)
- ASIC. "Claims handling and settling: How to comply with your AFS licence obligations (INFO 253)." Updated June 2025. https://asic.gov.au/for-finance-professionals/afs-licensees/applying-for-and-managing-an-afs-licence/licensing-certain-service-providers/claims-handling-and-settling-how-to-comply-with-your-afs-licence-obligations/
- Coverager. "Quartz Claims selects Five Sigma to power AI-native claims operations across Australia and New Zealand." 6 May 2026. https://coverager.com/quartz-claims-selects-five-sigma-to-power-ai-native-claims-operations-across-australia-and-new-zealand/
- Insurance Business Australia. "Wilbur unveils AI and analytics tools for insurance industry." 3 September 2024. https://insurancebusinessmag.com/au/news/technology/wilbur-unveils-ai-and-analytics-tools-for-insurance-industry-503854.aspx
- Guidewire. "ClaimCenter claims management software." Checked 16 October 2026. https://www.guidewire.com/products/core-products/insurancesuite/claimcenter-claims-management-software
- Guidewire. "Overview of checks in ClaimCenter." Developer documentation. https://docs.guidewire.com/cloud/cc/202302/cloudapibf/cloudAPI/topics/112-CCFin/02-check-creating/c_overview-of-checks-in-ClaimCenter.html
- Duck Creek. "Duck Creek Claims." Checked 16 October 2026. https://www.duckcreek.com/products/claims/
- Vendor websites, each checked 16 October 2026: getcurium.com, javln.com, insuredhq.com, solv.com.au, fivesigmalabs.com, claimsgateway.com; wilbur.io and its Capterra reviews (search results only) on 21 October 2026. Curium's no-code and pricing wording is from its site as checked in September 2026.
