ADJST isn't a tool you bolt onto a legacy core. It's an AI-native claims platform that runs the claim end-to-end — from the policyholder's first notice to settlement, recovery and the board-level view of your book — on one real-time, auditable data plane.
This is the platform your team runs, our experts run, or we run for you. It doesn't change between those. What changes is only how much of the claims operation you hand over — and that's a dial you set. See the service catalogue →
The market's answer is four to six point solutions stitched together. Each is strong in a row or two; none of them owns the claim, and the data fragments across vendors.
ADJST is built the other way round. One platform runs the operating model and the intelligence on one data plane, so every fact captured, every decision made and every outcome recorded lands in the same place and feeds everything downstream — the reserve, the fraud score, the leakage audit, the answer to the question you ask about your book next quarter. Nothing has to be exported, reconciled or re-keyed to be useful. That's the difference between an operation that gets better with volume and one that just gets busier.
ADJST runs the claim with a team of purpose-built AI specialists — for adjudication, fraud, settlement, customer updates and answering questions about your book. Each one proposes and explains its reasoning, and you can question or overrule it at any point. Behind them, always-on AI watches your whole book — flagging leakage, fraud and fair-outcome risks the moment they appear, so nothing slips.
Every AI action carries an explicit limit on what it can do on its own, a model version and a full audit trail.
This is the whole suite. The homepage names the three kinds; here is every agent in each.
Six moments in the life of a motor claim — the same platform, one continuous thread.
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ADJST is API-first and MCP-native — a primary product surface, not an afterthought. Your own AI agents, and your carriers' and brokers', can query live ADJST claims and policy data, and invoke permitted actions, as governed tools through the Model Context Protocol — every call entitlement-scoped, authenticated and audited.
Running motor claims in the UK means working with a whole ecosystem — the regulated claims portals, the fraud and data bureaux, the vehicle-data and estimation providers, the payment rails, and your own policy, finance and document systems. A platform that can't reach all of them cleanly isn't a claims platform; it's a demo. ADJST is built with a connector fabric at its edge: every integration is a governed, tenant-scoped, fully audited connector, organised by what it's for rather than by which vendor is behind it — so the platform plugs into your ecosystem, and a connector can be swapped or added without the claim ever noticing.
Every connection is normalised, scoped to your tenant, and fully audited. New integrations are added as thin adapters on the same fabric — so the ecosystem can change around you without a re-platform.
ADJST isn't a fixed template you bend your operation around. Insurance Studio is the configuration surface where you make the platform your own — per line of business, without writing code or waiting on a release cycle. White-labelling to your brand is the easy part; the real power is specialising how the platform actually handles claims, meets its conduct obligations and talks to your customers.
A new book goes live in days, not quarters — and when your needs change, you change the configuration, not the roadmap.
We're starting with UK motor because it's the sharpest place to prove an AI-native claims platform, and escape of water — the highest-volume, highest-leakage property peril — is the next line on the roadmap. After that we follow customer need, not a fixed list, because the platform is built to extend. ADJST is organised around the claim, not a line of business, so each new line reuses the same engine — incident, parties, evidence, decisions, settlement — and configures only what's specific to it. Lines that fit the model are stood up in Insurance Studio in days; the few that need genuinely new handling are a contained extension, never a rebuild.
Same data plane, same AI, same audit trail at every line — so the platform grows with your book instead of fragmenting into a product per line.
For design partners →Model version per call, confidence per decision, a full chronology per claim, and a Consumer Duty worker running on a separate trail from the economics. Citation is enforced at the engine boundary; releases are eval-gated; access is masked in the engine. The cleanest compliance posture available in an era of tightening outsourcing oversight.
Running claims in-house and staying that way? The platform is available on its own. How we engage →