UK insurtech EIP launches AI claims automation tool designed to handle the full cycle from first notification to settlement in a regulated environment

EIP, a UK-based insurtech (insurance technology company), has launched Virtual TPAi — an AI-powered tool designed to automate the full insurance claims handling cycle from first notification of loss through to settlement. The product replaces functions traditionally performed by TPAs (third-party administrators — outsourced claims handlers) and call centres, using a proprietary voice-led AI agent that can manage up to 20 simultaneous conversations around the clock, across multiple languages. The system is built on a rules engine incorporating approximately 80 configurable rules, allowing individual insurers to define how claims are assessed and approved. Decisions are either approved automatically where the rules criteria are met, or referred to a human handler for review — with insurers remaining accountable for all claims outcomes. The company emphasises that the rules engine, which has been in use for over a decade, provides transparency and auditability because outcomes are driven by insurer-configured policy logic rather than probabilistic AI model outputs that can be harder to explain or audit. Ross Sinclair, EIP's chief executive, said the company had 'done the hard work of making sure it works in a regulated environment' — a direct reference to the Financial Conduct Authority's consumer duty and claims handling obligations, which require fair, prompt, and transparent treatment of claimants. The launch positions EIP in a fast-moving market where Aviva and Hiscox UK are also exploring expanded AI applications in their customer-facing operations.