From Roadside to Online: How Digital Onboarding Simplifies Claims

Imagine this: You’ve just been involved in a minor accident. Your bumper is scratched, tensions are high, and the last thing you want is a stressful, paper-heavy claims process.Now imagine pulling out your phone, texting your insurer on WhatsApp, uploading a few photos, and receiving confirmation of your claim all in minutes.That’s exactly what Maya is delivering through its digital claims process in Ghana.

The Problem with Traditional Claims

Historically, filing a motor insurance claim in Ghana meant:

• Filling long paper forms
• Visiting an insurer's branch
• Waiting days (or weeks) for feedback
• Making multiple phone calls for follow-up

For many, this discourages even starting the claims process, especially for minor damage. Some drivers would rather fix the damage themselves than face the hassle.

Maya’s Solution: Claim in Minutes via WhatsApp

Maya, Redpear’s AI-powered WhatsApp assistant, has changed that. Here’s how it works:

1. The user sends “Hi” and then opts to "Submit Claim" from the interactive menu.
2. Maya prompts the user to provide their vehicle registration number and the date of the accident/incident.
3. The user specifies the nature of the incident (e.g., "Accident/Damage").
4. Maya guides the user to submit pictures of both the third party's damaged vehicle and their own damaged vehicle (front and rear views for both).
5. The assistant requests the name and phone number of the person whose vehicle or property was damaged.
6. The user provides a picture of the driver's license of the person who was operating the vehicle at the time of the accident.
7. Maya requests a voice recording from the user to elaborate on the accident, including who was driving, their relationship to the driver (if applicable), and if the driver had permission to operate the vehicle.
8. The user is asked to send pictures of the repair estimates or invoices.
9. Maya provides a comprehensive summary of the submitted claim, including the Policy Number, Cover Type, and Claim Number, completing the process.

10. The user receives real-time updates on claim status.

Average time to report a claim: under 7 minutes.

Why This Matters for Ghanaian Drivers

Accessibility: Everyone with a smartphone and WhatsApp can report a claim, no forms, no calls.Speed: Claims are filed instantly. No need to travel or take time off work.Convenience: Maya guides users with clear prompts, reducing errors or missing information.Digital Trail: Users receive a full summary of what was submitted, with time stamps and evidence, stored securely.

The Bigger Picture: A More Trustworthy Insurance Experience

A 2024 survey by the National Insurance Commission (NIC) revealed that trust in the insurance sector remains low, primarily due to delayed or unclear claims processes (NIC Ghana).Maya helps reverse that trend by providing:

• Instant transparency
• Constant communication
• A user-friendly interface even for first-time claimants

Testimonials: Anita’s Story

When Anita’s car was hit while parked at East Legon, she feared it would take weeks to sort out. But she used Maya that same evening.“It took less than 10 minutes to send photos and submit my report. By the next day, the insurer had already called me for inspection.”For drivers like Anita, online insurance claims in Ghana are no longer a dream; they are a daily reality.

A Claims Revolution in Your Pocket

With Maya, the move from roadside to online isn’t just about speed, it’s about empowerment. No queues. No confusion. Just a smart, simple way to claim.

Ready to try it?

If you’ve got a claim to file or just want to know how it works, say “Hi” to Maya on WhatsApp and discover the easiest claims process in Ghana.