Claims IntelligenceReserve and defence cost movements
See where reserves and costs are moving, and why.
Counsel's estimates, adjusters' reports and expert fees move faster than the reserve sheet. Navi compares the figures in the documents with the reserves you hold and shows where they've drifted apart across the book. Setting the reserve stays with your team.
For complex casualty, property/BI and financial lines claims
The problem
Reserves catch up with the paperwork late
Estimates arrive as proseA revised defence costs estimate is a paragraph in counsel's report, not a field in the claims system.
Old figures roll forwardMonth-end closes repeat last quarter's reserve until someone reads the report.
Surprises at the large-loss reviewStrengthening comes late, and the claims committee wants to know why nobody saw it sooner.
How it works
Document figures set against the reserves you hold
Load reserves and payments
Reserve history and payments from your claims system or bordereaux, next to the claim files.
Navi reads the estimates
Figures in counsel's, adjusters' and experts' reports are picked out and compared with the reserve held for each claim.
Review the gaps
Files where the documents and the reserves disagree are listed with both sources, ready for your reserving decision.
Example
A stale defence costs reserve
At the 30 September month-end on our sample Halden Thermal claim, Navi flagged:
The defence costs reserve still shows £180,000
Reserve history, 30 September 2026Counsel raised the estimate to £310,000 on 15 September and recommends an increase
UK defence counsel updated report, p. 4The German claim has no reserve yet. Counsel suggests a provisional £175,000 once coverage is agreed
UK defence counsel updated report, p. 6
What you get
What your team gets
- Reserve and cost movements across open claims
- Gaps between document figures and reserves held
- Each figure traced to the report it came from
- Earlier sight of large-loss movements
“Parsewise surfaces material claims risk earlier, which directly protects our combined ratio.”
Compre Group · Legacy & Run-off Specialist · Claims reconciliation and portfolio diligence
Claims Intelligence
More from Claims Intelligence
See reserve gaps across a casualty book
We'll set the estimates in counsel's and adjusters' reports against a sample reserve history and show where the two have drifted apart. Then we'll scope a pilot on your own files.
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