New Zealand claims teams choose between dedicated claims platforms and broking or policy systems with claims inside. ClaimsGateway (claimsgateway.com), Curium and Five Sigma are dedicated claims platforms open to New Zealand teams. JAVLN and InsuredHQ are local broking and policy systems with claims built in. Hosting location differs between them.
Key takeaways
- According to the FMA, 46 insurers were among the 77 financial institutions licensed under the CoFI regime when it took full effect on 31 March 2025.
- The Fair Insurance Code sets claims timeframes for its members, including a decision within 10 business days of having all the information.
- Personal injury in New Zealand is largely covered by ACC rather than private insurers, which changes what claims software New Zealand teams need.
- Several platforms here host data in Australia rather than New Zealand, so data location is worth checking for every vendor.
What do New Zealand buyers need to know?
New Zealand claims rules differ from Australia's in three ways. Insurers are licensed under the CoFI regime and must treat consumers fairly. Members of the Insurance Council of New Zealand follow the Fair Insurance Code. And most personal injury cover sits with ACC, not private insurers.
The CoFI regime took full effect on 31 March 2025. According to the FMA, 77 financial institutions were licensed at that point: 17 banks, 46 insurers and 14 non-bank deposit takers. Each must run a fair conduct programme. The the Fair Insurance Code covers the claims obligations in detail.
Under the Fair Insurance Code, members acknowledge a claim within five business days and decide within 10 business days of having the information they need. If a claim is too complex for that, they explain why, estimate the time and update the customer at least every 20 business days. Check the current Code text before relying on these figures.
ACC is the other big difference. Because ACC provides no-fault cover for personal injury, a New Zealand claims team is less likely to need injury claims tooling than an Australian one. Employers in ACC's Accredited Employers Programme manage their own workplace injury claims, which the ACC's Accredited Employers Programme explains.
How were these platforms assessed?
Each platform was assessed on claims scope, who changes workflows, segments served, presence in Australia and New Zealand, security certification and pricing model. For New Zealand readers, presence was judged on New Zealand offices, customers and data location, as each vendor states them, checked in October 2026.
The entries are grouped by type of system and not ranked. The ClaimsGateway platform overview shows how one dedicated claims platform covers the lifecycle from first notice to close.
Which dedicated claims platforms suit New Zealand teams?
Dedicated claims platforms treat the claim as the whole product and connect to a team's existing policy or broking system. ClaimsGateway, Curium and Five Sigma are in this group. They suit insurers, agencies, brokers and administrators whose problem is claims.
1. ClaimsGateway
Best for: New Zealand teams 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 property, motor, liability and construction claims, among others, from first notice of loss to close.
- Payments are built in, with 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), so data is held in Australia rather than New Zealand.
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 platform.
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: New Zealand brokers, agencies and insurers that want claims and compliance tools from a trans-Tasman vendor.
Typical customer size / segment: Brokers, agencies, insurers and superannuation businesses. Named customers include Insurance House and Blue Zebra Insurance (getcurium.com, October 2026).
Key strengths:
- Separate claims products for brokers and for agencies and insurers.
- A compliance platform, with AI it describes as "trained on AU/NZ laws and real cases".
- Obligations for Australia and New Zealand built in, as its site states.
Claims scope: Claims products, with a compliance platform beside them.
Who changes workflows: The business. In September 2026 its site described a "No-code claims platform" with "No IT required."
Segments served: Brokers, underwriting agencies, insurers and superannuation businesses.
Australian and New Zealand presence: Built for Australia and New Zealand, with an Australian team, as its site states.
Security certification: ISO 27001, as its site states.
Watch-outs: Its site does not state where data is hosted, so New Zealand buyers should ask.
Pricing: Not published. In September 2026 its site described pricing as modular and not per seat.
3. Five Sigma
Best for: New Zealand insurers and administrators that want AI built into claims handling.
Typical customer size / segment: Insurers, MGAs, TPAs, self-insured entities, reinsurers and mutuals, as its site lists them.
Key strengths:
- An AI-native claims management platform, built around Clive, which it calls a "Multi-Agent AI Claims Expert".
- Clive can work on top of existing claims systems or inside Five Sigma's own platform.
- Quartz Claims, a TPA serving insurers across Australia and New Zealand, chose it in May 2026 (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 trans-Tasman customer, Quartz Claims. No local office is stated.
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 where data is hosted, so confirm both before shortlisting.
Pricing: Not published.
Which New Zealand broking and policy systems include claims?
Broking and policy systems run the wider business, with claims as one module. JAVLN and InsuredHQ are in this group and both have a strong New Zealand presence. They suit brokers, agencies and smaller insurers that want one system for policy, accounts and claims.
4. JAVLN
Best for: New Zealand 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 NZbrokers and The Advisers (javln.com, October 2026).
Key strengths:
- One platform for "quoting, binding, renewals, claims, trust accounting and compliance".
- Document management and workflow automation inside Microsoft 365, through JAVLN Officetech.
- According to Capterra, its 7 reviews average 4.4 out of 5, with ease of use rated highly.
Claims scope: One module of a broking and policy platform.
Who changes workflows: Not stated on the homepage.
Segments served: Brokers, agencies and underwriters.
Australian and New Zealand presence: Offices in Auckland and Melbourne.
Security certification: SOC 2 Type 2, as its site states.
Watch-outs: Claims is one function among many, so teams with heavy claims volumes should test the module's depth.
Pricing: Each product has its own pricing page. Rates were not reviewed for this article.
5. InsuredHQ
Best for: New Zealand 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 and Quest Insurance (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, with New Zealand as its primary market.
Security certification: Not named on its homepage.
Watch-outs: Claims sits inside a policy-led core, so a team whose pain is claims depth should test that module closely.
Pricing: Not published.
Where is claims data hosted?
Hosting location varies, and few vendors state it plainly. ClaimsGateway is hosted on Microsoft Azure in Australia East, in Sydney, so its data is held in Australia, not New Zealand. Several other vendors here do not state a hosting location on the pages reviewed, so New Zealand buyers should ask each one directly.
Where data lives matters for privacy, contracts and customer expectations, even where no rule requires New Zealand hosting. Ask each vendor three questions: which country and provider host the data, whether backups sit in the same place, and who can access the data from where. The claims software for NZ brokers covers the broker side of the same market.
Frequently asked questions
What claims software do New Zealand insurers use?
New Zealand insurers use a mix of dedicated claims platforms and policy systems with claims built in, and few publish which they run. Options for New Zealand teams include ClaimsGateway, Curium and Five Sigma, which are dedicated claims platforms, and JAVLN and InsuredHQ, which put claims inside a wider system.
Is there New Zealand-made claims management software?
Yes. InsuredHQ is New Zealand based, and JAVLN has an office in Auckland alongside Melbourne. Curium is built for Australia and New Zealand. ClaimsGateway is hosted in Sydney. Buyers wanting a local vendor should also check where data is hosted and support is based.
Does claims data have to stay in New Zealand?
New Zealand's privacy law does not generally require data to be held onshore, but it governs how personal information is protected and disclosed overseas. An insurer's own contracts add further expectations. Buyers should ask each vendor where data is hosted, where backups sit and who can access it.
Does the Fair Insurance Code affect claims software?
Indirectly, yes. The Fair Insurance Code sets claims timeframes for its members, such as deciding within 10 business days of having all the information and updating customers at least every 20 business days on complex claims. A claims system that tracks those deadlines helps a member meet them.
What claims software do NZ brokers use?
New Zealand brokers can manage claims inside a broking system such as JAVLN, which names NZbrokers among its customers, or add a dedicated claims platform such as Curium or ClaimsGateway beside it. The choice usually follows claims volume and how much visibility the broker wants across insurers and clients.
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
- Claims software in Australia: the Australian market, grouped by type of system.
- JAVLN alternatives for claims: options for brokers outgrowing a broking system's claims module.
- ClaimsGateway and Curium compared: two trans-Tasman claims platforms head to head.
Sources
- Financial Markets Authority (FMA). "CoFI regime in effect." 31 March 2025. https://www.fma.govt.nz/news/all-releases/media-releases/cofi-regime-in-effect
- interest.co.nz. "New code to see insurers work to set timeframes and be clearer about information for customers." Reporting on the Fair Insurance Code. https://www.interest.co.nz/insurance/73915/new-code-see-insurers-work-set-timeframes-and-be-clearer-about-information
- Insurance Council of New Zealand. Fair Insurance Code. https://www.icnz.org.nz
- Capterra. "JAVLN Platform." Read through search results, 16 October 2026. https://www.capterra.com/p/209349/JAVLN/
- 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/
- Vendor websites, each checked 16 October 2026: getcurium.com, fivesigmalabs.com, javln.com, insuredhq.com, claimsgateway.com.
