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FNOL360® Voice Agent

First Notice of Loss Capture & Structuring System

FNOL360™ is a purpose-built automated First Notice of Loss capture and structuring system for insurers, MGAs, and claims teams — ensuring every claim notification is recorded accurately, documented consistently, and delivered in structured format for professional triage.


  • No missed claim notifications.
  • No incomplete loss reports.
  • No unstructured intake.

Controlled Claims Intake — 24/7

Claims do not arrive during office hours.


FNOL360 captures First Notice of Loss calls around the clock, guiding callers through a calm, structured reporting process that ensures key information is gathered clearly and consistently.


The system:


  • Identifies the policyholder or reporting party
  • Collects factual loss details in defined format
  • Confirms contact information
  • Records date, time, and circumstances of loss
  • Generates structured summaries for internal review


FNOL360 supports intake. It does not assess liability, interpret coverage, or make claims decisions.


All adjudication and policy interpretation remain with the insurer or authorised claims handler..

Consistent, Structured Reporting

Manual claims intake can vary significantly between handlers.


FNOL360 introduces consistent data capture logic at the point of notification, ensuring:


  • Standardised information fields
  • Reduced omissions
  • Clear, timestamped reporting
  • Structured handoff to claims systems


This reduces re-contact friction and supports faster triage and allocation.

Professional and Empathetic Interaction

Loss events can be stressful.


FNOL360 is configured to maintain:


  • Calm, neutral language
  • Clear instructions
  • No speculation or coverage statements
  • Defined escalation pathways


The system does not provide claims advice or confirm claim outcomes.
Where appropriate, it offers escalation to a human claims handler.

Structured Output, Ready for Triage

After each call, FNOL360 generates a concise, factual summary including:


  • Policyholder or reporter details
  • Nature of loss
  • Date and time of incident
  • Location
  • Immediate circumstances described
  • Any urgency indicators


Summaries can be integrated into CRM or claims systems to support efficient triage and allocation.


FNOL360 enhances intake discipline — it does not replace claims handling expertise. 

Built for Regulated Insurance Environments

FNOL360 is designed with regulated claims environments in mind.


The system:


  • Avoids coverage interpretation
  • Avoids settlement estimates
  • Avoids liability commentary
  • Avoids regulatory or legal advice
  • Maintains factual, structured intake


Regulatory responsibility remains with each insurer or authorised claims handler.

FNOL360 supports governance at the entry point of the claims journey.

Extend Control to the First Notification

FNOL360 is designed with regulated claims environments in mind.


The system:


  • Avoids coverage interpretation
  • Avoids settlement estimates
  • Avoids liability commentary
  • Avoids regulatory or legal advice
  • Maintains factual, structured intake


Regulatory responsibility remains with each insurer or authorised claims handler.

FNOL360 supports governance at the entry point of the claims journey.

Defined Escalation Controls

FNOL360 is designed with structured boundaries.


The system automatically offers escalation when:


  • A caller requests coverage confirmation
  • Liability questions are raised
  • A complaint is expressed
  • Vulnerability or distress is indicated
  • Sensitive or complex matters arise


This ensures regulated claims discussions remain with authorised personnel.

Defined Escalation Controls

FNOL360 is designed with structured boundaries.


The system automatically offers escalation when:


  • A caller requests coverage confirmation
  • Liability questions are raised
  • A complaint is expressed
  • Vulnerability or distress is indicated
  • Sensitive or complex matters arise


This ensures regulated claims discussions remain with authorised personnel.

Find Out More

Bring intelligent claims handling to your business. You can test the service by calling the number below and pretending to make a claim for an auto accident. Dial 0207 0707 88622 or click on the button below now (please note that normal network charges apply).

Try it now

FNOL360® Compliance Safeguards

FNOL360™

FNOL360™ is designed for use within regulated insurance and claims environments. It introduces structured, consistent First Notice of Loss intake while preserving the insurer’s responsibility for claims handling, coverage interpretation, and decision-making.


FNOL360 supports governance at the point of notification — it does not replace regulated claims processes.

Clear and Controlled Communication

FNOL360 follows predefined conversational pathways to ensure claims notifications are captured consistently and professionally.


The system:


  • Uses calm, neutral language appropriate for claim reporting 
  • Avoids speculative statements or liability commentary 
  • Does not confirm coverage, settlement, or claim validity 
  • Does not provide legal, regulatory, or claims advice 
  • Does not make outcome or timeline guarantees
  •  

All coverage interpretation and claims decisions remain with authorised personnel.

Structured Intake and Documentation

Every call is handled using defined intake logic to ensure key information is recorded accurately and consistently.


The system:


  • Collects factual loss details in structured format 
  • Confirms contact and policyholder information 
  • Generates timestamped summaries 
  • Delivers structured output suitable for internal triage
     

This reduces inconsistency and supports stronger oversight at the point of notification.

Defined Escalation Pathways

FNOL360 includes controlled escalation logic.


The system automatically offers transfer or follow-up when:


  • A caller requests coverage confirmation 
  • Liability or settlement questions are raised 
  • A complaint is expressed 
  • Vulnerability, distress, or sensitive circumstances are indicated 
  • Complex or high-risk matters arise
     

This ensures regulated claims discussions are handled by authorised claims professionals.

Vulnerability Awareness

Loss events can involve stress or emotional impact.


FNOL360 is configured to:


  • Maintain calm and respectful tone 
  • Avoid pressure or interruption 
  • Escalate to a human handler where vulnerability is indicated
     

This supports fair treatment and responsible conduct expectations.

Data Handling Discipline

FNOL360 captures only information necessary to record the claim notification.


The system:


  • Avoids unnecessary or speculative data collection 
  • Does not request sensitive personal data beyond relevance 
  • Produces factual summaries suitable for secure integration into claims systems
     

Data governance and regulatory compliance remain the responsibility of each insurer or claims handler.

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