Published by gbaf mag
Posted on June 22, 2020
3 min readLast updated: January 21, 2026
Peter Cullum CBE says speed of data transfer will enable accurate decisions to be made earlier.
Plum Underwriting has signed a strategic partnership agreement to use Pact Global’s Artificially Intelligent (AI) Claims as a Service (CaaS) platform to significantly reduce fraud exposure, accelerate the claims process and gain enhanced customer insight.
Pact has delivered a white-labelled iOS and Android mobile app and web portal that not only allows Plum to quickly and efficiently confirm the customer’s identity but can also detect whether visual expressions/behaviours or variations in speech might suggest the claimant is not telling the truth.
In addition, Pact has integrated its Fraud and Cognitive Engine into Plum’s CRM, enabling access to more than 50 separate data points during the claim validation process to verify the customer’s contact details and investigate their claims history. As well as behavioural analytics and assisted intelligence, the app can also access GPS to verify the location of a claim.
When checking ‘act of god’ claims, such as flooding, Pact verifies weather patterns at the time of the reported incident, which increases the likelihood of detecting fraud and helps insurers predict possible surges in claims.
Mark Seddon, Founder and CEO of Pact Global, says both customer and claims handler benefit from the new service: “Our platform is better for the customer, as it makes the claims process much faster and easier, and also much better for the claims handler, as it automates the whole process and minimises the time spent on claims management, a significant cost to the business.
“The platform is so intelligent that it can detect whether any images or videos, invoices, warranties and receipts uploaded have simply been downloaded from the internet and presented as ‘genuine’, and it’s all done within a matter of minutes.”
A subsidiary of Global Risk Partners (GRP), Plum Underwriting provides specialist home insurance products to more than 100,000 policyholders in the UK and Republic of Ireland.
Peter Cullum CBE, Founder Non-Executive Director of GRP commented: “We chose to work with Pact for many reasons, but the most important being is their technological solution provides a complementary fit with our existing platform. Adding speed of data transfer at key stages of the process will enable accurate decisions to be made earlier in the claims lifecycle thereby benefiting our customers and key stakeholders alike.”
Mark concluded: “Plum Underwriting has unique partnerships across the UK that enables our platform to assist in better serving this growing customer base. As we grow our platform Plum Underwriting will have increased capacity to grow their group keeping their growth costs to a minimum.”
Peter concluded: “The flexibility of the AI future-proofs our road map and delivers an end-to-end automated service now.”
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