How ModeInsurance Automated Vehicle Insurance Workflows with a Modern InsurTech Web Platform

Executive Summary:

ModeInsurance, a specialist vehicle replacement insurance provider, partnered with Zestminds to digitally transform their operations. By building a modern InsurTech platform, we helped them automate agent and underwriter workflows, integrate online KYC and payment systems, and significantly improve operational efficiency. This case study explores the journey, outcomes, and why it positions Zestminds as a fintech and InsurTech leader.

About the Client

ModeInsurance is not your everyday insurance company. They specialize in Vehicle Replacement Insurance, think of it as an extra safety net beyond standard car insurance. When drivers face major damage or total loss, ModeInsurance helps them replace their vehicles with minimal hassle. Their mission: to get customers back on the road faster and with confidence.

The Challenge

Imagine running an F1 race with a 20-year-old car. That's how ModeInsurance felt about their legacy system. Their existing platform was clunky, slow, and created friction at every step for:

• Insurance agents, stuck in manual data entry, multiple forms, and repetitive tasks.
• Underwriters, overwhelmed with back-and-forth paperwork and delayed approvals.
• Operations teams, lacking visibility into process performance.

They needed a next-gen web application that wasn't just a facelift, but a full transformation: automated, scalable, and ready for fintech integrations like KYC and online payments.

Transformation Snapshot: From Manual to Modern

Our Solution

Zestminds rolled up its sleeves and delivered a modern, future-proof InsurTech platform:

• Custom Web App: Built using Laravel and Angular, optimized for performance and scalability.
• Seamless API Integrations: For KYC verification, vehicle details, and Stripe payment gateway.
• Automated Workflows: Agents and underwriters could process policies and claims faster, with fewer errors.
• AI-Powered Live Chat: Node.js + OpenAI + Weaviate to support agents and clients in real time.
• Analytics & Dashboards: MySQL-backed graphical reports to drive decision-making.
• Secure Cloud Hosting: Deployed on AWS EC2 for reliability and scale.

Quote from Client: "With Zestminds, we didn't just get a vendor — we got a partner who understood our business, compliance needs, and growth plans." Mr. Rahim Bhatia, ModeInsurance

Core Features Built

• Advanced Vehicle Search: Lookup vehicles by make, model, year to quote faster and reduce entry errors.
• Agent Workflow Automation: Dramatically reduced repetitive tasks, speeding up policy processing times.
• Underwriter Dashboards: Consolidated tools for quicker approval and less back-and-forth.
• KYC Verification: Fully integrated digital identity verification for compliance and fraud reduction.
• Stripe Payments: Secure, easy online premium collection.
• Real-Time AI Chat: Improved client support and engagement.
• Graphical Reporting: Actionable business insights with simple visuals.
• Performance Optimization: Fast load times and future scalability ensured via AWS cloud hosting.

Results & Impact

The outcomes delivered by Zestminds were immediate and measurable:

• 2x faster agent workflows saving hours per day per agent.
• Reduced underwriter review cycles approvals cut from days to hours.
• Streamlined compliance and KYC processes from cumbersome manual checks to near-instant API-based verification.
• Improved user experience simpler interfaces, fewer clicks, mobile-ready performance.
• Real-time analytics for leadership driving smarter decisions and faster reporting.

Transformation Summary: ModeInsurance Journey

Efficiency Improvement

Old Workflow Time: 100%

New Workflow Time: 40%

What's Next

Zestminds continues to partner with ModeInsurance to deliver future roadmap enhancements, including:

• Self-service portals for policyholders.
• AI-driven risk scoring for underwriting optimization.
• Deeper analytics for policy pricing, customer segmentation, and retention strategies.

Why This Case Study Matters for Fintech Buyers

This project wasn't just about building software, it was about enabling a fintech-first operational model. We addressed:

• API-driven architecture to integrate seamlessly with KYC, vehicle databases, and payments.
• Regulatory compliance readiness ensuring ModeInsurance could meet local and international standards.
• Scalability and performance critical for any modern fintech/InsurTech business.

If you're a fintech, insurance, or financial services decision-maker, this is the kind of transformation that lets you move faster than competitors and delight customers at every touchpoint.

Need a Similar Solution? Let's Talk

Looking to build your own InsurTech web platform or automate your insurance operations? Whether you're starting from scratch or replacing a legacy system, Zestminds can help you go from idea to market fast, securely, and scalably.

Book a discovery call with us today.