INSTANDA launches Clear, AI platform for complex insurance workflows
INSTANDA's Clear targets the insurance workflows that still live in inboxes and spreadsheets, routing referrals, renewals and fraud checks into one governed layer.
INSTANDA is aiming Clear at the part of insurance software that straight-through processing still misses. Launched June 4, 2026, from London, UK, the new AI-supported platform is built for referrals, renewals, fraud checks, complaints, reinsurance and complex mid-term adjustments, the kinds of cases that still depend on judgment, handoffs and paperwork.
The pitch is not full automation. INSTANDA describes Clear as a governed execution layer for work that cannot be fully automated, a deliberate choice in a market where the clean, rules-based stuff has already been digitized. Clear is meant to pull in information from inbound email, turn it into tasks, route it into the right workflow and keep the work moving without forcing underwriters and operations teams to jump between spreadsheets, inboxes and fragmented systems.
That matters because Clear is not being sold as a replacement for INSTANDA’s no-code policy administration platform. Instead, it sits alongside PAS, CRM, claims, fraud and finance systems, then writes completed work back so the insurer keeps a single record of what happened and why. Users can also configure dashboards, service-level agreements and task pages in the no-code interface, which gives operations leaders a way to standardize the messy middle without stripping out human review.
Tim Hardcastle, INSTANDA’s CEO and co-founder, said the insurance market has invested heavily in digitizing distribution and policy administration, but complex underwriting and operational work has been left behind in disconnected tools. Kevin Gaut, the company’s chief technology officer, said underwriting is “fundamentally human work” and that complex cases still rely on “expertise, judgment and collaboration” across multiple teams and systems. That framing fits the reality many carriers are dealing with now: more automation pressure, but also more scrutiny over audit trails, ownership and escalation logic.
INSTANDA is also pushing Clear as part of a broader 2026 product run. The company pointed to a February ServiceNow integration and a May partnership with DataCrest that claimed quote turnaround times could fall from hours to minutes, quote volume could rise by as much as 25 percent and outsourcing needs could drop by as much as 76 percent. Founded in 2015 and built on Microsoft Azure, INSTANDA appears to be making a clear bet that the real value is not in replacing underwriters, but in giving them a better operating layer for the cases automation still cannot settle.
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