New Zealand brokers handle claims either inside their broker management system or in a dedicated claims platform beside it. JAVLN and InsuredHQ hold claims inside a wider system. ClaimsGateway (claimsgateway.com) and Curium are claims platforms. The right choice depends on claims volume, how varied the claims are, and how the system fits the brokerage's existing tools.
Key takeaways
- New Zealand brokers place a large share of general insurance, so claims work is a core part of their service.
- According to IBANZ's April 2023 submission, its members place cover equal to about half of all general insurance premiums in New Zealand.
- The Fair Insurance Code, as the IFSO Scheme summarises it, has insurers update customers at least every 20 business days when a claim takes longer.
- According to MinterEllison, CoFI requires financial institutions and their intermediaries to comply with its incentive restrictions.
- Brokers choose between a claims module inside a broker system and a dedicated claims platform connected to it.
What do New Zealand brokers need from claims software?
New Zealand brokers need claims software that tracks every claim placed with many insurers, records each contact and update, and supports fair treatment of clients. The Fair Insurance Code sets insurers' claims timeframes, and brokers chase against them. CoFI's fair conduct principle shapes how insurers, and the intermediaries they work with, treat customers.
The insurer runs the claim, but the client calls the broker. A broker with many open claims needs one record of where each one stands. According to the IFSO Scheme, the Code has insurers acknowledge a claim within 5 business days and update at least every 20 business days when a decision takes longer.
Brokers are significant in New Zealand. IBANZ's 2023 submission put its members' share at about 50% of general insurance premiums. The guide to CoFI and the Code covers the rules in more detail.
How were these options assessed?
Each option was assessed on the profile's standard rows: claims scope, who changes workflows, segments served and presence in Australia and New Zealand. Two rows were added for New Zealand brokers: hosting, as published, and broker system integration. Vendor facts were checked on each vendor's own site in October 2026.
Hosting matters to brokers holding client information. Some vendors host in New Zealand, some in Australia, and some do not say. So each entry states only what the vendor publishes.
The order is not a ranking. ClaimsGateway is listed first, then the other claims platform, then the broker and policy systems. The ClaimsGateway insurance brokers page describes its approach.
Which claims software suits New Zealand insurance brokers?
Brokers with growing claims volumes that want a dedicated platform beside their broker system may look at ClaimsGateway or Curium. Brokers that want claims inside the system they use for policies may prefer JAVLN, which serves many New Zealand brokerages, or InsuredHQ. Each entry below carries the same fields.
1. ClaimsGateway
Best for: Brokers with growing claims volumes that want a configurable claims platform beside their broker management system.
Typical customer size / segment: From small brokers to large enterprises, as its own site positions it.
Key strengths:
- It covers the claim from first notice of loss to close, with user, role and permission controls.
- Workflows are configured without developers, so the brokerage owns changes to its claims process.
- ISO/IEC 27001 certification, held by its operating entity, with audit logs of system and user activity.
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: Serves Australia and New Zealand, hosted in Australia.
Hosting, as published: Microsoft Azure, Australia East (Sydney).
Broker system integration: Integrates with Steadfast Insight, as well as Zendesk, MYOB Acumatica and Salesforce, plus custom API integrations.
Watch-outs: Brokers who want quoting, broking and trust accounting in the same system as claims will be better served by a broker management system.
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: Brokers that want a claims platform built for Australian and New Zealand broking, with compliance tools alongside.
Typical customer size / segment: Brokers of all sizes, plus agencies and insurers. Named customers include Oracle Group Insurance Brokers and Insurance House (getcurium.com, October 2026).
Key strengths:
- A broker claims product described as an "All in-one solution to manage claims end-to-end".
- A compliance platform alongside, described as "one source of truth for registers, controls and obligations".
- AI it describes as "trained on AU/NZ laws and real cases".
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".
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.
Hosting, as published: Not stated. Its privacy policy names cloud hosting providers among recipients.
Broker system integration: Not listed on its homepage.
Watch-outs: Brokers should confirm which broker management systems it connects to, and where data is hosted.
Pricing: Not published. In September 2026 its site described pricing as modular by products used and business size.
3. JAVLN
Best for: New Zealand brokers that want claims inside the same system as policy, quoting, renewals and trust accounting.
Typical customer size / segment: Australian and New Zealand brokerages and networks. Named customers include NZbrokers and BOTT Insurance Group (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.
- File notes "timestamped at creation" that "cannot be altered", as its security page states.
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 Melbourne and Auckland.
Hosting, as published: Accredited Australian and New Zealand data centres. The cloud provider is not named on the security page.
Broker system integration: It is itself a broker management system, so claims sit beside the policy record.
Watch-outs: Claims is one function among many, so a broker 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.
4. InsuredHQ
Best for: Smaller New Zealand brokers and insurers that want policy, billing and claims together in one light cloud system.
Typical customer size / segment: Insurers, MGAs, brokers and insurtech start-ups. Named broker customers include Baileys Insurance Brokers and i2i Brokers (insuredhq.com, October 2026).
Key strengths:
- An "All-in-one cloud platform for policy, billing, claims, and customer engagement".
- A separate database for each client, as its privacy policy describes.
- 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.
Hosting, as published: AWS, with Frankfurt, North Carolina and Sydney named. Which region serves New Zealand clients is not stated.
Broker system integration: It holds policies itself, as a policy-led core.
Watch-outs: Brokers should check how it tracks claims placed with many different insurers.
Pricing: Not published.
Should a New Zealand broker use a dedicated platform or a BMS module?
A broker should use its broker management system's claims module when volumes are modest and the module covers its follow-up needs. A dedicated claims platform suits brokers with a claims team, high volumes or varied claim types. In both cases, integration with the broker system decides whether staff key details twice.
The test is practical. If claims staff keep a spreadsheet beside the BMS, the module is not doing the job.
Integration is the second check. A dedicated platform should take client and policy details from the BMS. The guide to claims software beside a BMS covers the decision.
Frequently asked questions
What claims software do NZ brokers use?
New Zealand brokers use broker management systems with claims modules, such as JAVLN and InsuredHQ, and dedicated claims platforms, such as ClaimsGateway and Curium. JAVLN counts NZbrokers among its customers. Many brokers start with their BMS module and add a claims platform as volumes grow.
Does CoFI apply to brokers?
CoFI's licensing applies to banks, insurers and non-bank deposit takers, not brokers. However, according to MinterEllison, financial institutions and their intermediaries must comply with CoFI's incentive restrictions. Brokers giving regulated financial advice are also covered by the financial advice regime. Brokers should take advice on their own position.
Is JAVLN a New Zealand company?
JAVLN began in Auckland, according to IT Brief, and has offices in Auckland and Melbourne. It serves brokerages and networks in both New Zealand and Australia, and counts NZbrokers among its named customers. Its platform covers quoting, binding, renewals, claims, trust accounting and compliance, with claims as one module.
Can I keep my BMS and add claims software?
Yes. Many brokers keep their broker management system for clients, policies and trust accounting, and add a dedicated claims platform for the claims team. Integration lets client and policy details flow into the claims platform. Check which systems each claims platform connects to before choosing.
Where is my claims data hosted?
It depends on the vendor. ClaimsGateway is hosted on Microsoft Azure in Australia East (Sydney). JAVLN states accredited Australian and New Zealand data centres. InsuredHQ names AWS regions including Sydney. Curium does not state a location, so ask each vendor directly before shortlisting.
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 New Zealand: the wider New Zealand list.
- Claims software for brokers: the Australian broker list.
- JAVLN alternatives for claims: other options for JAVLN users.
Sources
- IBANZ. Submission to Fire and Emergency New Zealand, April 2023. https://fireandemergency.nz/assets/Documents/About-FENZ/Levy/Submission-Form-from-IBANZ-April-2023.pdf (read through search results)
- IFSO Scheme. "Claim settlement delays." Checked 24 October 2026. https://www.ifso.nz/pages/claim-settlement-delays
- MinterEllison Ruddwatts. "CoFI regime begins." April 2025. https://www.minterellison.co.nz/insights/cofi-regime-begins
- IT Brief New Zealand. "New brand and new plans for Auckland-based applications provider." 2015. https://itbrief.co.nz/story/new-brand-and-new-plans-auckland-based-applications-provider (read through search results)
- Vendor websites, checked 16 to 21 October 2026: claimsgateway.com, getcurium.com, javln.com, insuredhq.com.
