Comarch NonLife Insurance

Multi-module policy administration solution to satisfy all insurer’s needs, ensuring high quality customer service, dedicated to all types of property and casualty insurance.

What is the Comarch NonLife Insurance solution?

Comarch NonLife Insurance solution is dedicated to all insurance companies offering property and casualty insurance (general insurance). Our system handles individual and group products offered to the retail and corporate customers alike. Comarch NonLife Insurance is valued both by insurers offering a traditional portfolio of insurance products and those who specialize in bancassurance or selected niche risks. The system's modular structure greatly facilitates its extension with new components as well as integration with the insurer’s existing software. This core insurance system is enhanced with a user-friendly web portal for front-office operations.

Key business advantages
Automation and cost reductionComprehensive management of all, even the most complex product lines in one policy administration system
Short time-to-marketFast product modification and new product introduction to the non-life insurance market
Open architectureEasy integration and expansion of core insurance system thanks to the modular approach and Service Oriented Architecture
Process flexibilityBased on the workflow engine with task inboxes managed by power business users

Software modules

Policy & property management

Policy & property management

Comarch NonLife Insurance supports business processes related to individual product lines: 

  • vehicle insurance addressed both to individuals and businesses – fleet insurance 
  • personal and corporate property insurance covering, among others, real estate, movable property, builder’s risk insurance, electronic devices, machinery and equipment 
  • liability insurance (private and business) including policies for various professional groups 
  • transport insurance related to cargo, liability insurance for forwarding agents and road carriers in domestic and international transport 
  • health insurance for natural persons (individual and group) 
  • accident insurance related to vehicle insurance, travel insurance (individual and business), as well as legal protection insurance and all kinds of assistance policies
  • agricultural insurance related to the protection of farms, farming infrastructure, crops and livestock, as well as farmer’s third party liability insurance 
  • financial insurance including insurance guarantees, bank loan insurance, receivables insurance and other financial risk insurance. 

The system is equipped with a tool for process configuration to diversify the cycle of business processes for different types of insurance or loss.

Nonlife insurance product management

Product management

Owing to its flexibility and parameterization abilities the Product Management module allows for:

  • defining new insurance products from the scratch or with the use of existing definitions (whole product definition or one level of the product definition, e.g. a marketing package, insurance or cover scope)
  • modifying existing ones
  • automated transfer of definitions from the test environment to the production one – product testing on real data supported
    • versioning of product life-cycle definitions – every element has its own status tracking and time period parameters (from, to)
    • all historic data are stored in the system and cannot be modified or deleted as they may be used by the portfolio of existing policies

This approach significantly reduces the time needed to implement a new product in Comarch NonLife Insurance system by the insurer without the system provider support.

Reinsurance module


The Reinsurance module allows registration of reinsurance contracts, verification of coverage on contracts and claims, calculation of reinsurer’s shares and management of settlement with the reinsurer: 

  • creating a reinsurance program 
  • controlling reinsurance of a policy and/or claims during policy/claim registration
  • storing the information on reinsurance coverage for a contract and claim
  • defining reinsurance instalment settlement 
  • defining the scope of reinsurance contracts 
  • storing detailed data on settlement with reinsurance organizations
  • handling both methods of risk: proportional and not-proportional 
  • handling a variety of reinsurance contract types
    • contracts of proportional reinsurance types:
    • quota share contracts
    • surplus contracts
  • handling different forms of payables: obligatory contracts
    • facultative contracts
    • mixed contracts
Debt management

Debt management - soft collection

Comarch Debt Management is a comprehensive module for managing liabilities in the various stages of a recovery process:

  • planning phone contacts
  • sending reminders: SMS, emails and letters
  • automatic registration of operation costs
  • creation of installment schemes for payments
  • monitoring of debt payments
  • non-judicial arrangement proceedings
  • collateral management 
  • liability realignment
  • review of the state of collaterals and reserves
  • final termination of the contract.

Outsourced debt collection

Comarch Debt Management is a comprehensive module for managing liabilities in the various stages of a recovery process:

  • transferring collection cases to external agencies or selling debts
  • obtaining information on the external agency proceedings 
  • sending information on debt repayments
  • calculating commissions for external agencies.
Debt management - legal proceeding

Debt management - legal proceeding

Comarch Debt Management is a comprehensive module for managing liabilities in the various stages of a recovery process:

  • generation of required formal documents (request for payment, enforcement clause, enforceable title, lawsuit)
  • monitoring of upcoming deadlines
  • automatic assignment of the appropriate court
  • handling various court decisions.

Debt management - enforcement proceeding

Comarch Debt Management is a comprehensive module for managing liabilities in the various stages of a recovery process:

  • automatic assignment of bailiffs according to the debtor’s address
  • support for a debt enforcement process
  • preparation of orders and documentation for bailiffs 
  • monitoring of deadlines 
  • support for communication with bailiffs 
  • handling various bailiff decisions

Comarch’s property & casualty policy administration

Comarch’s property & casualty policy administration solution supports the following types of  insurance:

  • Property insurance – personal and commercial insurance: real estate, builder’s risk, electronic equipment, machinery
  • Vehicle insurance – individual products and packages of Third Party Liability, Auto Casco, Green Card, Assistance, Accident; personal and commercial car insurance (also as a fleet policy)
  • Third Party Liability – private as well as business TPL insurance
  • Accident and Health – personal insurance –individual and group casualty insurance as well as medical expense insurance, various types of assistance
  • Travel insurance – against all types of risk associated with travel
  • Agricultural insurance – third party liability for farmers, property coverage for buildings, equipment, livestock and crops
  • Transport insurance – goods in transit insurance (Cargo), domestic and International road haulier’s liability insurance, freight forwarder’s liability insurance
  • Financial insurance – surety (guarantees), insurance credits (bank credits and commercial credit insurance)
  • Legal expense insurance – coverage for legal protection with help assistance


  • covering policy and product life cycles for all types of property and casualty insurance
  • support for all sales channels, i.e. tied agents, brokers, bancassurance, call center, customer portal
  • handling individual and group policies for retail customers and companies
  • multi-language, multi-currency and multi-ledger in case of two or more companies of one capital group
  • additional handling of simple life and health insurance products
  • modular system design ensuring quick integration with the insurer’s existing systems
Discover our front-office software!

Integrate your software with Comarch Digital Insurance, an omnichannel front-office solution.

It offers features for non-life insurance products such as real estate, vehicle, health, travel, commercial and others. All adjusted to your needs.

Comarch Digital Insurance includes three applications dedicated to distributors, business administrators and end customers. The applications are based on one business logic engine.

Manage customer data, create and delegate tasks, get reminders and much more. Plus, digitalize your policy lifecycle, including:

  • Needs analysis
  • Quotations
  • Policy issuance (claim registering, amendment, termination)
  • Expiration
  • Policy renewal

Comarch Digital Insurance


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