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Route Insured — paperless transit and marine cargo insurance, issued from a phone

Cargo insurance is normally a broker, a PDF and a two-day wait. Route Insured issues a policy digitally, in one sitting, from an app. We built the platform, the apps and the policy issuance engine.

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Route Insured — InsurTech case study by Beaming India
ClientRoute Insured
SectorTransit & cargo insurance
PlatformsiOS · Android · Web
ScopeProduct design, policy engine, apps, web platform
EngagementProduct build
BasedShankar Nagar, Raipur
The brief

What we were asked to solve.

Route Insured covers goods in transit — by road, rail, air and sea — against accident, theft, fire and natural calamity, for both domestic and international movement.

The market it is attacking is a paperwork market. A consignor wanting single-transit cover typically goes through a broker and waits. The brief was to compress that into a 100% paperless flow that issues a policy while the truck is still being loaded.

The hard parts

Where this project was genuinely difficult.

CHALLENGE 01Insurance data entry is hostile

Consignor, consignee, commodity, packing, mode, route, sum insured, invoice value. On a phone. The form design was the product design.

CHALLENGE 02Correct is not optional

A policy with the wrong sum insured or route is worthless at claim time. Validation had to be strict without being obstructive.

CHALLENGE 03Instant issuance means instant documents

A policy certificate has to be generated, numbered, stored and delivered in seconds, and be retrievable months later when a claim happens.

CHALLENGE 04Two very different users

An occasional consignor sending one shipment, and a logistics operator issuing policies daily. The same flow had to serve both.

What we built

The product, feature by feature.

01

Policy issuance

  • Guided declaration flow broken into short, phone-sized steps
  • Coverage selection across road, rail, air and sea transit
  • Domestic and international cover in one flow
  • Automatic premium calculation from commodity, value, route and mode
  • Validation at each step rather than a wall of errors at submission
  • Instant certificate generation, numbering and delivery
  • 100% paperless issuance, start to finish
02

Policy management

  • Policy vault — every certificate stored and retrievable by shipment or date
  • Shipment-level records tying a policy to a specific consignment
  • Renewal and repeat-shipment flows that pre-fill from a previous policy
  • Claim initiation with document upload
  • Downloadable and shareable certificates for consignees and banks
03

Platform and back office

  • Marketing and enquiry website explaining transit and cargo cover
  • Enquiry capture routed to the underwriting team
  • Admin console for products, rates and issued-policy oversight
  • Audit trail on every issuance, for compliance
  • Reporting across policies, commodities, routes and value
Approach

How we ran it.

STEP 01

Unpick the paperwork

We went through the existing manual proposal form field by field and worked out what could be derived, defaulted or dropped.

STEP 02

Design the declaration

The multi-step flow was prototyped and tested on a phone before any back end existed — on this product the form is the experience.

STEP 03

Build issuance

Premium calculation, validation, certificate generation and the policy vault.

STEP 04

Ship to three surfaces

Web platform for desktop users, iOS and Android for the people who are standing next to the shipment.

DELIVEREDWhat shipped

  • Transit and cargo policies issued digitally in one sitting, with no paperwork.
  • Certificates generated, numbered and stored automatically, retrievable at claim time.
  • Domestic and international cover across road, rail, air and sea in a single flow.
  • Repeat shipments pre-filled from previous policies, which is where regular users live.

PLATFORMWhat it runs on

iOS app Android app Web platform Policy engine Premium calculation Document generation Admin console Audit logging

Live at route.beamingindia.com

More work

Other things we have shipped.

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