Guided capture
Field users can’t skip what the insurer requires.
- Guided mobile workflow
- RC and prior policy capture
- Chassis and odometer evidence
- Digital signature and operator identity
- Mandatory location
- 360° live video
- All-side images
AI Vehicle Pre-Inspection
Capture the right evidence before the policy begins.
ClaimHorizon Pre-Inspection uses guided capture, computer vision and document verification to give insurers a consistent, auditable record of vehicle condition before the policy is issued.
- No app install
- 360° live video
- Human QC on every report
Documents
- RCVerified
- Prior policyCaptured
- Chassis no.MA3••••••81
- Odometer42,318 km
- SignaturePending
Location locked
360° · 00:42
Sticker-hiding check
Guided Mobile WorkflowRC & Prior PolicyChassis & OdometerDigital SignatureMandatory Location360° Live VideoAll-Side ImagesDent & Scratch AnnotationSeverity IndicatorsOld-Damage SignalsGlass & Headlight ReviewPDF + JSON ReportsGuided Mobile WorkflowRC & Prior PolicyChassis & OdometerDigital SignatureMandatory Location360° Live VideoAll-Side ImagesDent & Scratch AnnotationSeverity IndicatorsOld-Damage SignalsGlass & Headlight ReviewPDF + JSON Reports
What is AI pre-inspection?
AI vehicle pre-inspection is a guided digital check of a vehicle’s condition before a motor policy is issued or renewed. The owner or agent captures documents, a continuous 360° video and all-side photos on a secure mobile link. Computer vision organises visible damage, and a trained reviewer approves an insurer-ready report.
Why it matters
Most claim disputes start with a weak inspection.
If the condition at policy start isn’t recorded clearly, every later claim turns into an argument about what was already there.
Typical manual inspection
- Inspector visit scheduled days later
- A few photos, angles chosen by the person
- Chassis and odometer typed in by hand
- No proof of where or when it was done
- Report assembled manually, format varies
ClaimHorizon Pre-Inspection
- Secure link, captured the same day
- Continuous 360° video plus required sides
- Chassis and odometer captured as evidence
- Mandatory location and timestamps
- QC-approved PDF and JSON, every time
Features
Everything a pre-inspection needs, in one guided flow.
AI damage review
Computer vision organises what the camera saw.
- Damage, dent and scratch annotation
- Severity indicators
- Old-damage and anomaly signals
- Glass and headlight review
Integrity & output
Signals for reviewers, reports for systems.
- Chassis-tampering alerts
- Sticker-hiding alerts
- Technical QC with resubmission
- QC-approved PDF and JSON outputs
See the AI review
Every observation, linked to its evidence.
Tap a marker. Each annotation carries a type, a severity and the exact frame it came from, so the QC reviewer can confirm or edit it in seconds.
Illustrative example. Real results depend on capture quality and are always QC-reviewed.
TypeDent
LocationFront door, lower panel
SeverityModerate
EvidenceFrame 00:18 · Left side
QC statusAwaiting reviewer
How it works
Seven steps from lead to shared report.
Capture runs in the customer’s phone browser. The insurer decides what is mandatory.
- 01
Create the lead
The insurer, broker or agent opens an inspection with policy and vehicle details.
- 02
Share a secure inspection link
The owner or agent receives a time-bound link by SMS or email.
- 03
Capture documents and evidence
RC, prior policy, chassis, odometer, signature and location, each one checked before moving on.
- 04
Record a continuous 360° walkaround
One unbroken video around the vehicle, plus the required all-side photos.
- 05
Let AI organise observations
Computer vision annotates damage, severity, glass, headlights and anomaly signals.
- 06
Complete technical QC
A trained reviewer approves, edits or requests resubmission. Every action is logged.
- 07
Generate and share the report
A QC-approved PDF and JSON report goes to the insurer and authorised stakeholders.
Chassis captured
Geotagged
The output
One report, for people and for systems.
Underwriters read the PDF. Your policy admin system reads the JSON. Both come from the same QC-approved record.
- Linked to original photos, video, location and time
- Reviewer name and approval timestamp
- Ready to attach to the policy file
Vehicle Pre-Inspection ReportPI-24-77310 · Sample
QC approvedVehiclePrivate car · Petrol
Odometer42,318 km
LocationGeotagged · verified
Evidence360° video + 8 images
| Part | Observation | Severity |
|---|---|---|
| Front door (L) | Dent | Moderate |
| Front bumper | Scratch | Minor |
| Windscreen | No damage seen | None |
| Headlamps | No damage seen | None |
Reviewed by: QC Reviewer · Digitally signed · Sample data
{
"inspection_id": "PI-24-77310",
"status": "qc_approved",
"vehicle": { "odometer_km": 42318, "fuel": "petrol" },
"evidence": { "video_360": true, "images": 8, "geo_verified": true },
"observations": [
{ "part": "front_door_left", "type": "dent", "severity": "moderate" },
{ "part": "front_bumper", "type": "scratch", "severity": "minor" }
],
"alerts": { "chassis_tamper": false, "sticker_hiding": false },
"qc": { "reviewer_id": "QC-104", "approved_at": "2026-10-16T10:42:00+05:30" }
}When insurers use it
Built for the moments a pre-inspection is required.
Break-in & lapsed renewals
Inspect a vehicle quickly when a policy has lapsed and cover must restart.
Own-damage & add-on upgrades
Record condition before adding OD cover or add-ons such as zero depreciation.
Used-vehicle transfers
Capture condition and documents when ownership and policy change hands.
Commercial vehicles
Configurable checklists for trucks, buses and fleet vehicles.
AI organises. A trained reviewer approves.
Every pre-inspection passes technical QC before a report is issued. Reviewers can edit annotations, ask for a resubmission or escalate. Alerts such as chassis tampering are signals for review, not findings of fraud.
FAQs
Pre-inspection, answered.
Read the full guideWhat is AI pre-inspection in motor insurance?
AI pre-inspection is a guided digital inspection of a vehicle before a motor policy is issued or renewed. The vehicle owner, agent or inspector opens a secure link, captures the RC, prior policy, chassis and odometer, records a continuous 360° video and all-side photos, and computer vision organises visible damage for a trained QC reviewer to approve.
When is a vehicle pre-inspection required?
Insurers commonly ask for a pre-inspection when a policy has lapsed (break-in), when own-damage cover or add-ons such as zero depreciation are added, when a used vehicle changes ownership, or for commercial vehicles. Each insurer sets its own rules, and ClaimHorizon checklists can be configured to match them.
Which documents are captured during a pre-inspection?
A typical ClaimHorizon pre-inspection captures the Registration Certificate (RC), prior policy details, chassis number, odometer reading, a digital signature with operator identity, and a mandatory location. Insurers can add or remove items in the checklist.
How does AI detect existing damage on the vehicle?
Computer vision reviews the 360° video and all-side images, annotates dents, scratches and other visible damage with severity indicators, and flags old-damage, glass and headlight observations. These are review aids: a trained QC reviewer confirms or edits every observation before the report is issued.
Can AI pre-inspection detect chassis tampering?
ClaimHorizon raises alerts for possible chassis tampering and sticker-hiding so a reviewer can look closer. An alert is a signal for review, not a finding of fraud.
Does the customer need to install an app?
No. The customer or agent opens a secure, time-bound inspection link on a smartphone browser and follows guided steps.
What does the insurer receive at the end?
After technical QC, the insurer receives a QC-approved inspection report as a PDF for people and JSON for systems, linked to the original photos, video, location and timestamps.