The loyalty moment: Why claims decide if customers stay or go

87% a number that should shape your claims strategy

🎯 87%: One number that should shape your claims strategy

That’s how many policyholders say the claims experience decides whether they’ll stay loyal to their insurer (EY).

And here’s the kicker: over 58% say they actually would switch providers if that experience disappoints (Accenture).

In a market built on trust, that’s a risk insurers can’t afford.

The one moment that matters

Most people don’t think about their insurance until they need it. For the average policyholder, a claim happens once every 7 to 10 years depending on the type of insurance.

That’s it. One rare moment to show up and deliver.

It’s not just a transaction. It’s a brand-defining experience. How you handle that one moment decides if your customer feels protected or left behind.

Sales & Growth Lead Anton Niklasson

87%

a number that should shape your claims strategy

The new loyalty test

Claims aren’t just paperwork. They’re personal. They’re the one moment most policyholders interact with their insurer, and the only real chance to prove your value.

If that experience feels clunky, delayed, or impersonal, the message is clear: your customer will look elsewhere. And now we know more than half of them will actually make the move.

The hidden risk of standing still

Insurers hesitate to go all-in on digital. Concerns around compatibility, internal resistance, or compliance often delay decisions.

But not modernizing carries a bigger cost. A dated claims process sends loyal customers straight to your competitors. It’s not just a tech issue. It’s a business risk.

From vendor to strategic partner

At Upptec, we take that risk seriously. When insurers bring us in as a strategic partner, we return the trust with real structure and support:

  • Integrations that minimize disruption
  • Modular platforms where you keep data control
  • Tailored onboarding that fits your team and timelines
  • Governance that keeps you in charge

Our mission is simple: turn claims into a competitive advantage.

Act on what customers are telling you

87% say claims decide if they’ll stay. Over half say they’ll leave if it goes wrong. This isn’t a back-office process anymore. It’s your loyalty engine.

Let’s build a claims experience your customers want to come back to.

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