InsuredHQ is a light cloud core for policy, billing, claims and customer engagement, built for smaller insurers, MGAs and insurance startups. ClaimsGateway (claimsgateway.com) is a claims platform on its own, configured by the business, with payments built in and hosting in Sydney. Choose InsuredHQ for one simple system across policy and claims, and ClaimsGateway where claims depth is the job.
Key takeaways
- InsuredHQ calls itself "a modern core insurance platform" covering policy, billing, claims and customer engagement in one system.
- ClaimsGateway is claims only, by design: its workflows are configured without developers, with payments, fraud detection and AML sanctions checks built in.
- InsuredHQ's privacy policy says it is hosted on AWS in Frankfurt, North Carolina and Sydney, and that ISO 27001 certification is in progress.
- No public user reviews of InsuredHQ were found on Capterra, G2 or SourceForge in October 2026.
- According to AFCA, general insurance complaints reached 36,022 in 2025-26, with delay the most common issue.
What is the short answer?
Choose InsuredHQ when a smaller insurer, MGA or startup wants policy, billing and claims in one light system, and wants to launch products quickly. Choose ClaimsGateway when claims is where the work and the risk sit, and the organisation wants a configurable claims platform beside whatever policy system it runs.
The two answer different questions. InsuredHQ asks how much of an insurance business one simple system can run. ClaimsGateway, by contrast, asks how well one system can run claims across lines and segments. So the right choice depends on whether the buyer's problem is the whole stack or the claims process.
Where is InsuredHQ the better choice?
InsuredHQ is the better choice for a smaller insurer, MGA or insurtech that wants one cloud system for the whole insurance lifecycle. It describes an "All-in-one cloud platform for policy, billing, claims, and customer engagement". It also lets a buyer "pick only the features you need", and promises "No downloads. No complexity."
Speed to market is its pitch. Its site speaks directly to MGAs and to "Startups and insurtech innovators", and earlier described helping them "launch new products fast". For a new MGA with simple claims, one system for policy and claims can mean fewer integrations and a faster launch.
Its finance and cloud ecosystem suits that buyer. The site shows Stripe, Xero and Worldpay alongside AWS. Named customers include REAL Landlord Insurance, Ivory Insurance, Insurance Wholesale and Quest Insurance. It was also a finalist in the New Zealand Industry Awards 2024 InsurTech category.
Its data handling is described in its privacy policy. Each client has a separate database, so data from two clients "is never co-mingled". In addition, it is tested annually by a third-party security agency. No public user reviews were found to show what its users like or dislike.
Where is ClaimsGateway the better choice?
ClaimsGateway is the better choice for an organisation where claims volume, complexity or scrutiny is the main problem. Its workflows are configured without developers, with changes owned by the business. It covers property, motor, liability, construction, injury and workers' compensation claims from first notice of loss to close.
Payments are a clear difference. ClaimsGateway builds in automated payment set-up and tracking, payment histories and reconciliation through an integrated payment system, with fraud detection and AML sanctions checks. For an organisation paying many claims, that keeps the money and the claim record in one place.
Segment reach is the second difference. ClaimsGateway serves underwriting agencies, brokers, TPAs and self-insured organisations as well as insurers, and connects to existing systems by API, with named integrations including Salesforce and Steadfast Insight. The ClaimsGateway insurers page describes the approach for insurer claims teams.
Security is stated differently by each. ClaimsGateway is hosted on Microsoft Azure in the Australia East region (Sydney), and its operating entity holds an ISO/IEC 27001 certified information security management system. However, buyers who want policy administration, rating and billing in the same system as claims will be better served by a core platform such as InsuredHQ.
How do they compare side by side?
Side by side, the two differ most in product scope. InsuredHQ is a light core covering policy, billing and claims. ClaimsGateway is a claims platform connected to other systems by API. They also differ in certification status and in how specifically each states its Australian hosting. Only ClaimsGateway publishes a starting price.
- Product scope. ClaimsGateway: Claims platform; InsuredHQ: Policy, billing, claims and customer engagement in one core.
- Who changes workflows. ClaimsGateway: The business, without developers; InsuredHQ: "Pick only the features you need"; who configures is not stated.
- Payments. ClaimsGateway: Built in, with reconciliation, fraud detection and AML sanctions checks; InsuredHQ: Stripe, Xero and Worldpay shown on its site.
- Segments served. ClaimsGateway: Insurers, underwriting agencies, brokers, TPAs, self-insured; InsuredHQ: Insurers, MGAs, brokers, startups and insurtechs.
- Australian and New Zealand presence. ClaimsGateway: Hosted in Sydney; InsuredHQ: New Zealand awards finalist; Sydney among three AWS hosting regions.
- Security certification. ClaimsGateway: ISO/IEC 27001; InsuredHQ: In progress for ISO 27001, per its privacy policy.
- Pricing model. ClaimsGateway: Volume-based; from AUD 5,500 a year ex GST (October 2026); InsuredHQ: Not published.
All facts were checked on each vendor's site in October 2026.
Who does each one suit?
InsuredHQ suits smaller insurers, new MGAs and insurtech start-ups that want policy, billing and claims in one light system, and value speed to launch over claims depth. ClaimsGateway suits insurers, agencies, brokers, TPAs and self-insured organisations whose claims need their own configurable platform, with payments built in and hosting in Sydney.
The deciding question is where the pain sits. A new MGA writing one simple product may never need a separate claims system. An established agency with several schemes and rising claims volumes, by contrast, often finds a policy system's claims module too shallow. The agency market is large. According to the Underwriting Agencies Council, its more than 130 member agencies are responsible for over $10.5 billion of premium a year. The MGA software list compares policy-led platforms for that first buyer.
Either way, claimants feel the difference. According to AFCA, general insurance complaints reached 36,022 in 2025-26, and delay was the most common issue. The system that suits the claims volume is the one that keeps that number down.
Frequently asked questions
What is InsuredHQ?
InsuredHQ is a cloud core insurance platform covering policy, billing, claims, accounts, document management and customer engagement. It sells to insurers, MGAs, brokers and insurtech start-ups, and was a finalist in the New Zealand Industry Awards 2024 InsurTech category. Named customers include REAL Landlord Insurance and Ivory Insurance.
Does InsuredHQ do claims?
Yes. Claims processing is one of InsuredHQ's capability areas, alongside policy, billing and customer engagement. Its homepage does not list specific claims features, so a buyer with complex or high-volume claims should ask for a demonstration on real files. Claims there is one part of a wider core rather than the whole product.
Which suits an insurance startup?
InsuredHQ is built with start-ups in mind, offering policy, billing and claims in one light system so a new insurer or MGA can launch quickly. ClaimsGateway suits a start-up whose policy system is already chosen and whose claims need their own configurable platform. Most start-ups with simple claims begin with one system.
Which is ISO 27001 certified?
ClaimsGateway's operating entity, Risk Management Gateway Pty Ltd, maintains an ISO/IEC 27001 certified information security management system. InsuredHQ's privacy policy says it is in the process of achieving ISO 27001 certification, and that it is tested annually by a third-party security agency. Buyers should ask each for current evidence.
Which is based in Australia or New Zealand?
InsuredHQ is associated with New Zealand, as a finalist in the New Zealand Industry Awards 2024, and lists Sydney among its three AWS hosting regions. ClaimsGateway is hosted on Microsoft Azure in the Australia East region in Sydney. Buyers should confirm in the contract where their own data will be held.
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 full market, from light cores to claims platforms.
- Australian-hosted claims software: where each vendor says it hosts data.
- Core module or claims platform: the general trade behind this comparison.
Sources
- InsuredHQ. Home page, checked 21 October 2026. https://www.insuredhq.com
- InsuredHQ. "Privacy policy." Checked 21 October 2026. https://www.insuredhq.com/privacy-policy
- Review search for InsuredHQ, 21 October 2026: no reviews found on Capterra, G2 or SourceForge. Reddit was not collected.
- 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)
- Underwriting Agencies Council. Home page, checked 21 October 2026. https://www.uac.org.au
- ClaimsGateway. Website and security page, checked 21 October 2026. https://www.claimsgateway.com/platform/security-compliance
