Wilbur is an Australian-built property and casualty claims platform with an AI assistant and human sign-off on every decision. Teams look elsewhere for broader claim classes, business-owned configuration, a deeper AI agent or a full core suite. ClaimsGateway (claimsgateway.com), Five Sigma and Curium are claims-first alternatives. Guidewire and Duck Creek suit carriers replacing their core.
Key takeaways
- Wilbur's strengths are governed AI assistance, Australian customers and, according to Insurance News, Celent's 2024 praise for its configuration and affordability.
- Capterra reviewers praise Wilbur's ease of use and support, while two mention a limited range of bespoke reports.
- According to Coverager, Australian TPA Quartz Claims chose Five Sigma in May 2026, which makes it the most direct AI-led alternative in the region.
- According to AFCA, general insurance complaints reached 36,022 in 2025-26, with delay the most common issue.
- The right alternative depends on what a team wants more of: claim classes, configuration, AI or suite breadth.
What does Wilbur do well?
Wilbur does governed AI assistance well. It describes itself as "a governed agentic claims platform built for faster, more defensible outcomes". Its Willo assistant handles estimates, triage, summaries and fraud signals. At the same time, its site states that "A person decides on every coverage, liability, settlement, total-loss, repair-approval and payment call."
Its Australian footing is strong. Wilbur names Australian customers including Strata Community Insurance, Blue Zebra Insurance and AUB Group, and it lists Australia and New Zealand among its markets. It also serves builders and suppliers, which suits property claims that run through repair networks.
Independent recognition backs it up. According to Insurance News, Celent's 2024 Claims Systems Vendors report, covering 17 Asia-Pacific platforms, praised Wilbur's "affordability and robust back-end configuration process". For a property and casualty insurer that wants AI help with firm human control, it is a natural benchmark.
Why do teams look at Wilbur alternatives?
Teams usually look at alternatives for reasons of fit rather than failure. Some handle injury and workers' compensation claims alongside property and want one platform for all of them. Some want their own people to change workflows. Others want a deeper AI agent, or a core suite with policy and billing.
What its users say is mostly positive. Capterra reviewers describe Wilbur as easy to learn and to configure, and praise a help desk that sometimes responds within minutes. One describes deployment as easy with the vendor's service team.
The complaints are narrow. Two Capterra reviewers mention a limited range of bespoke reporting outputs, and one notes that the out-of-the-box set-up leans towards motor and property claims. The same few 2024 reviews appear across Capterra's regional sites, so these are observations from a small sample rather than counted themes. Reddit was not collected.
How were these alternatives assessed?
Each alternative was assessed on claims scope, who changes workflows, segments served, presence in Australia and New Zealand, security certification and pricing model. One more row records each platform's core approach: a configurable workflow platform, an AI-led platform or a core suite. Every vendor fact was checked on the vendor's site in October 2026.
The core approach row helps a Wilbur buyer most. Wilbur sits between a workflow platform and an AI-led one, so an alternative is useful only if the reader knows which way it leans. The row reports each vendor's own description.
The order is not a ranking. ClaimsGateway is listed first, then the other claims-first platforms, then the two global core suites. The ClaimsGateway insurers page describes its approach for insurer claims teams.
Which Wilbur alternatives suit claims teams?
The closest alternatives are ClaimsGateway, Five Sigma and Curium, all claims-first platforms with Australian customers or hosting. Guidewire ClaimCenter and Duck Creek Claims are alternatives only for carriers that want claims inside a whole core suite. Each entry below uses the same fields.
1. ClaimsGateway
Best for: Organisations whose claims span property, motor, liability, injury and workers' compensation, and who want to change workflows themselves.
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, construction, injury and workers' compensation claims, 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).
Core approach: A configurable claims workflow platform.
Security certification: ISO/IEC 27001.
Watch-outs: Buyers shopping for an autonomous AI adjuster will find an AI-native platform a closer fit.
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. Five Sigma
Best for: Insurers, MGAs and TPAs that want AI at the centre of claims, or AI on top of a claims system they already run.
Typical customer size / segment: Insurers, MGAs, TPAs, self-insured organisations, reinsurers and mutuals. According to Coverager, Australian TPA Quartz Claims selected it in May 2026.
Key strengths:
- Clive, which it calls "the Insurance Industry's First Multi-Agent AI Claims Expert".
- Clive can work "on top of any existing claims management system", as its site states.
- A wide line list, from home and auto to cyber, marine and workers' compensation.
Claims scope: The whole product; Clive also runs on other claims systems.
Who changes workflows: Not stated on its homepage.
Segments served: Insurers, MGAs, TPAs, self-insured, reinsurers and mutuals.
Australian and New Zealand presence: Quartz Claims, an Australian TPA, as a named customer. No local office is stated.
Core approach: An AI-native claims platform with a multi-agent AI built in.
Security certification: Not stated on its homepage.
Watch-outs: Its homepage does not state a hosting region, so confirm data residency and support hours.
Pricing: Not published.
3. Curium
Best for: Brokers, agencies and insurers in Australia and New Zealand that want claims and compliance tools from one local vendor.
Typical customer size / segment: Brokers, agencies and insurers. Named customers include Balanced Underwriting and Blue Zebra Insurance (getcurium.com, October 2026).
Key strengths:
- A claims product for agencies and insurers, described as "Enterprise level claims without the complexity".
- AI it describes as "trained on AU/NZ laws and real cases".
- A compliance platform it calls "one source of truth for registers, controls and obligations".
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 "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.
Core approach: Claims and compliance software with AI trained on local law.
Security certification: ISO 27001, as its site states.
Watch-outs: No public user reviews of Curium were found, and its pages do not state where data is hosted, so ask both.
Pricing: Not published. In September 2026 its site described pricing as modular and not per seat.
4. 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.
- An Agentic Framework, launched in August 2026, for building AI agents on Guidewire Cloud Platform.
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: Australian content on Guidewire Cloud Platform, such as GST for claims. Australian customers are not named on the ClaimCenter page.
Core approach: A core insurance suite with claims as one application.
Security certification: Not stated on the ClaimCenter page reviewed.
Watch-outs: It is sized for carriers. A TPA, agency or self-insurer is unlikely to need a carrier-scale core to fix its claims.
Pricing: Contact for pricing.
5. 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:
- Claims inside a suite with Policy, Rating and Billing, delivered as SaaS.
- "30 Million+ claims processed via Duck Creek OnDemand", as its site states.
- Agentic FNOL, announced in September 2026 for early access customers.
Claims scope: One application in a core insurance suite.
Who changes workflows: Its site describes "business-led workflows" on "a low-code foundation".
Segments served: Property and casualty carriers.
Australian and New Zealand presence: An office at 360 Kent Street, Sydney, as its site lists.
Core approach: A SaaS core insurance suite with claims as one application.
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 claims references.
Pricing: Contact for pricing.
Which alternative fits which reason for leaving?
Match the alternative to the reason. For broader claim classes and business-owned configuration, look at ClaimsGateway. A team wanting a deeper AI agent should look at Five Sigma. Curium suits a team wanting a local vendor with compliance tools. Finally, Guidewire or Duck Creek fit a carrier that wants claims inside a full core suite.
Most teams have one main reason, and it narrows the field quickly. An insurer adding injury claims to a property book needs class coverage first. A TPA whose clients each want a different process needs configuration first. Meanwhile, a carrier rebuilding its core needs a suite, and claims follows.
Whatever the reason, the test should be practical. Ask each vendor to run one of your real claims, of the class you care most about, through its standard set-up during the demonstration. The ClaimsGateway and Wilbur comparison shows that test applied head to head.
Frequently asked questions
What is Wilbur?
Wilbur is a claims management platform for property and casualty insurers, MGAs, TPAs, brokers and self-insured organisations. It describes itself as a governed agentic claims platform, with an AI assistant called Willo for estimates, triage, summaries and fraud signals. Its site states that a person makes every coverage, settlement and payment decision.
What are the alternatives to Wilbur?
The closest alternatives are ClaimsGateway, Five Sigma and Curium, which are claims-first platforms with Australian customers or hosting. Carriers replacing their whole core may also consider Guidewire ClaimCenter or Duck Creek Claims. The right one depends on whether a team wants broader claim classes, configuration, deeper AI or a full suite.
Which claims platforms are configurable without code?
ClaimsGateway states that its workflows are configured without developers, with changes owned by the business. Curium described its claims product as a no-code platform in September 2026. Duck Creek describes business-led workflows on a low-code foundation. Buyers should ask each vendor to change a real workflow during a demonstration.
Which have Australian customers?
Wilbur names Australian customers including Strata Community Insurance and AUB Group. Five Sigma's named Australian customer is Quartz Claims. Curium names Balanced Underwriting and Blue Zebra Insurance. ClaimsGateway's site names customers including Peninsula Mutual and Aramex. Buyers should ask for references of a similar size and segment.
How are they priced?
Only ClaimsGateway publishes a starting price: from AUD 5,500 a year ex GST in October 2026, set by annual claim volume. In September 2026 Curium described its pricing as modular and not per seat. Wilbur, Five Sigma, Guidewire and Duck Creek quote on request. A fair comparison needs quotes for the same claims volume and scope, including implementation.
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
- Five Sigma alternatives: the same question asked about an AI-native platform.
- Claims software for insurers: the wider list for Australian insurer claims teams.
- AI claims management software: platforms compared on what their AI does.
Sources
- Insurance News. "Wilbur shines in run-down of claims management systems." 5 April 2024. https://www.insurancenews.com.au/insurtech/wilbur-shines-in-run-down-of-claims-management-systems
- Capterra. "Wilbur." Read through search results, 21 October 2026; full review text not collected. https://www.capterra.com.au/software/205684/wilbur
- 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. "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)
- Guidewire. "Guidewire Introduces Qusar Release to Help Insurers Build and Control AI Agents." 3 August 2026. https://www.guidewire.com/en/about/press-center/press-releases/20260803/guidewire-introduces-qusar-release-to-help-insurers-build-and-control-ai-agents
- Vendor websites, checked 21 October 2026: wilbur.io, fivesigma.ai, duckcreek.com/products/claims, claimsgateway.com. Curium and Guidewire ClaimCenter checked 16 October 2026; Curium's no-code and pricing wording is from its site as checked in September 2026. Reddit was not collected.
