The AI Agent for insurers: automate sales and service

Frequently asked questions about the AI chatbot for insurers

Can we also build the AI agent in Claude or ChatGPT?

Yes. With LoyJoy Headless, your business team describes new agents and changes in its AI assistant, for example Claude or ChatGPT. LoyJoy creates them as a draft in staging, and nothing goes live without approval. Your roles and permissions control which areas the assistant may edit. The assistant never sees customer data.

How does a chatbot for insurers support DORA requirements?

LoyJoy offers DORA-aligned contract design with audit rights and reporting. The platform hosts exclusively in the EU, is aligned with GDPR, BFSG, and the EU AI Act, and supports BaFin, VAG, and VAIT requirements. The assessment depends on the specific use case, the data flows, and the configuration.

How does AI-based claims intake work?

The AI agent captures the claim in a dialog, asks line-specific follow-up questions, collects photos and receipts, and hands over a quality-checked notification to the claims handlers. Motor, home contents, liability, and glass damage are supported.

Can the chatbot be connected to our policy administration system?

Yes. With the LoyJoy API client, you can connect any policy, claims, or tariff system that exposes a REST API or comparable interface. Process logic is modeled in BPMN workflows without code.

Which insurers already use LoyJoy?

Among others R+V Versicherung with the AI assistant Emmie, ADAC, CosmosDirekt, DA Direkt, LVM, WGV, HanseMerkur, and Zurich. At R+V, volume has grown from 2,000 to over 35,000 dialogues per month since launch.

Can the AI agent calculate tariffs and close applications?

Yes. The AI agent advises on tariffs, calculates premiums in real time, and walks customers through a seamless application journey up to the closing in chat. WGV and ADAC run this in production, including capturing IBAN details and providing closing documents in the dialog.

Is the solution BaFin and VAG compliant?

LoyJoy supports your supervisory IT requirements from VAG and VAIT. DORA-aligned contracts with audit rights and reporting are included. The platform hosts exclusively in the EU.

Can the chatbot also capture claims by phone?

Yes. LoyJoy provides Phone Agents based on current speech-to-speech AI. Latency below 500 ms, natural speech quality, interruption handling, EU hosting. Ideal for the claims hotline, also at night and during peaks.

Can the AI correctly answer questions based on our policy terms?

Yes. The AI agent uses tools to work directly with complete documents such as general insurance terms and conditions, instead of only retrieving isolated text snippets via RAG. This lets it correctly answer coverage and benefit questions even from complex, legally structured policy terms.

What security evidence does LoyJoy provide?

The Trust Center gives you an overview of IT security measures, the list of sub-processors, the data processing agreement, and our statement on the EU AI Act. The platform hosts exclusively in the EU, and the chat LLM runs on LoyJoy-owned hardware in our data center in Germany. DORA-aligned contract design with audit rights and reporting is included.

What is the difference between a speech-to-speech voicebot and a classic voicebot?

Classic voicebots convert speech to text, process the text, and convert the response back to speech. That creates delay and a mechanical sound. The LoyJoy Phone Agent works directly speech to speech, with latency below 500 ms, natural prosody, and the ability to interrupt the agent at any time. It uses the same tools, guardrails, and analytics as your chat agent, so there is no separate telephony silo.