Komodo Claims

What Komodo Claims does

Komodo Claims is a motor insurance claims management services company operating across the UK, Ireland, and the United States. The company runs a hybrid two-sided business: a B2B channel delivering outsourced, end-to-end claims management to insurance companies and fleet operators, and a direct-to-consumer credit hire and repair service for non-fault road traffic accident victims in the UK under a no-win-no-fee model where costs are recovered from the at-fault party's insurer. The firm is registered in England and Wales as Komodo Claims Limited (company number 15430943, headquartered in Brighton) with a US operating entity, Komodo Claims Inc., based in Irving, Texas.

The technology platform is built on a bespoke end-to-end claims management software system with API functionality, enabling real-time claims access and management information for B2B partners. It is composed of 18 specialized service modules spanning First Notification of Loss, glass repair and replacement, roadside assistance, vehicle repairs, total loss and theft handling, third-party claims intervention, counter-fraud screening, subrogation management, credit hire management, litigation management, vehicle engineering (in-house desktop engineering supported by digital and video imagery), and salvage management. Operational infrastructure includes a network of 150+ approved UK repair shops, 24/7/365 claims handling capability, and a senior management team combining 100+ years of motor insurance claims experience.

Komodo monetizes through transaction-fee recovery on consumer credit hire and repair claims and through managed-services contracts on the B2B side, with partner offerings available as white-labelled solutions aligned to client processes. The company employs approximately 9 people across its UK and US locations, with no disclosed external funding, revenue figures, or named customer/partner relationships in the available source material.

Name

Komodo Claims

Legal name

Komodo Claims Limited

Website

https://komodo.claims

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Komodo Claims is a motor insurance claims management company operating in the UK, Ireland, and US, offering outsourced B2B claims handling for insurers and fleets, plus direct-to-consumer credit hire and repair services for non-fault road traffic accident victims on a no-win-no-fee basis.

Ownership category

akta.pro rank

Product category

Motor Insurance Claims Management

NAICS

Claims Adjusting (524291), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Claims Management & Digital FNOL Platforms (FSAGAGAC)

akta.pro secondary industries

Accident/Incident Management & Claims Administration (FNOL, Subrogation) (TLABAIAF), Accident Management Services (Incident Response, Towing, Repair Coordination) (TLABANAI), Claims Adjudication & Rules/Edits Configuration Support (BPAAAFAE)

Keywords

• Motor claims management
• Credit hire services
• Vehicle repair network
• Insurance claims outsourcing
• Non-fault accident claims

Headquarters

HQ city

Brighton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales

Revenue model

1. Credit Hire and Repair (No Win No Fee): For non-fault claimants involved in road traffic incidents, Komodo provides replacement vehicles and vehicle repairs at no cost to the claimant. Costs are recovered from the at-fault party's insurer. If recovery fails, charges are written off (no win no fee model).
2. B2B Claims Management Services: Outsourced claims management services for insurance company partners, fleet operators, and other commercial clients. Delivers cost-effective operational excellence through innovative claims handling aligned to client processes and objectives.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Komodo Claims provides end-to-end outsourced motor insurance claims management for insurance company and fleet operator partners, delivered through a bespoke claims management platform with API integration. To non-fault road traffic accident victims in the UK and US it provides Credit Hire replacement vehicles and vehicle repair services at no upfront cost, recovering charges from the at-fault party's insurer on a no-win-no-fee basis.

Product overview

Komodo Claims offers a unified end-to-end claims management platform for the motor insurance industry, operating across UK and US markets. The platform comprises a core digital claims management software system enhanced by a comprehensive suite of 18 specialized service modules including Credit Hire Services, Repair Network Services (with 150+ approved shops), First Notification of Loss, Glass Repair and Replacement, Roadside Assistance, Claims Management for Policyholders, Third-Party Claims Assistance, UK & Ireland Approved Repair Network, Personal Injury and Complex Claims Management, Counter-Fraud Screening and Investigation, Subrogation Management, Know Your Opponent Strategies, Credit Hire Management, Litigation Management, Vehicle Engineering Services, Salvage Management, and API Functionality. The platform also supports white-labelled solutions that partners can customize to suit their business needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Hire Services Provides a temporary replacement vehicle comparable to the customer's own car to individuals involved in non-fault road traffic incidents; costs are recovered from the at-fault party's insurer so the claimant pays nothing (no win no fee).
• Repair Network Services Repairs the customer's vehicle at one of 150 approved repair shops nationwide, including collection and delivery of the vehicle, with a 5-year workmanship guarantee; charges are recovered from the at-fault party's insurer on the claimant's behalf.
• Outsourced Motor Claims Management for Partners End-to-end outsourced claims handling for insurance and fleet partners, covering first notification of loss, glass, roadside, repairs, total losses, theft, fire, personal injury, third-party claims, fraud screening, subrogation, credit hire, litigation and salvage, aligned to partner processes and delivered under the partner's brand.
• Digital Claims Management Platform and API Proprietary digital claims management system with API integration that gives insurance and fleet partners real-time access to claims status and management information wherever they need it, supporting the end-to-end claims workflow.

Quantifiable outcome

• Claimants pay nothing - costs recovered from at-fault party's insurer or written off
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• Tractable: AI-driven auto damage assessment platform used by insurers globally. Comparable to Komodo's vehicle engineering and digital claims assessment capabilities but focused on AI image-based estimation.
• RightIndem: UK insurtech providing digital self-service FNOL and claims management for motor insurers. Comparable to Komodo's bespoke digital claims management platform and partner API offering.

Direct peers

• Direct Group: Large UK-based claims management and credit hire outsourcer serving motor insurers and claimants. Directly comparable to Komodo's outsourced claims management and credit hire/repair offering.
• Accident Exchange: UK credit hire specialist operating a similar model of providing replacement vehicles to non-fault claimants and recovering costs from at-fault insurers.
• National Accident Helpline: UK personal injury and accident management provider connected to a panel of solicitors. Comparable to Komodo on consumer accident management and personal injury handling, though more personal-injury focused.
• Exchange Claims: UK-based accident management company offering credit hire and repair services to non-fault claimants via an approved repairer network. Closely comparable consumer-facing proposition.
• AutoFlow (UK): UK credit hire and accident management specialist handling non-fault road traffic claims. Competes head-to-head with Komodo's credit hire and repair network services.

Broad incumbents

• Mitchell International: Established provider of claims management solutions, including for property & casualty auto. Overlaps with Komodo's claims management platform and partner MI/API capabilities across the US market.
• CCC Intelligent Solutions: Major US-based motor insurance claims software and workflow provider. Comparable to Komodo's digital claims platform and partner integration capabilities, but at vastly greater scale and breadth.
• Solera Holdings: Global provider of software and services to the automotive and insurance claims ecosystem. Comparable to Komodo's end-to-end motor claims technology stack at much larger scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/komodo-claims

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Komodo Claims