What 'CLAIMYEXCESS' Does?

When you buy insurance policy, the insurance companies apply different excess
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Stay Calm

CLAIMYEXCESS is a way to soften the blow that the high excess inflicts on your finances
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Our Vision

Is to build and popularise parametric risk solutions, making the availability and sale of such micro/ discretionary products effciently.

Our Aim

Fast settlement, enable lower operational costs with greater transparency.

Benefits for you

Peace of mind

CLAIMYEXCESS platform helps in choosing the right product and reimburses the excess amount deducted by your Insurer at the time of your claim settlement.

Experienced Team

CLAIMYEXCESS has over 50 years of combined hands on global experience in risk engineering, insurance underwriting and in handling insurance claims.

Digital savvy

CLAIMYEXCESS online platform can go alongside your existing business & personal line insurance policy.

Quick payment Assurance

CLAIMYEXCESS reimbursement at our discretion is quick, smooth and easy. Settlement is honoured within 72 hours you furnish us with the proof of excess deduction made by your insurer.

Let's Together Work

We Keep Good Company

We are privileged to work with hundreds of trusted clients who have made countless contribution to the society and New Zealand economy
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CLAIMYEXCESS is a digital, discretionary product developed to deliver next-generation parametric risk solution.

Claim your Excess

Our 15 Years of Experience

Helps You to Grow Your Business

01. People

02. Objective

03. Planning

04. Analytics

PEOPLE

At the age of 27 he introduced to the NZ market its 1st enterprise grade mobile application. Now after spending 10 months of his married life with vigour, Arjun is back providing rigour to the CLAIMYEXCESS team.
Arjun, Specialist Digital Product Strategist
He is responsible for risk management from a strategic, operational and client perspective. Wasu has over 20 years' experience in providing accounting and advisory services and advice some of the New Zealand's CEOs and Directors in SME space. Wasu is keen trekker and loves playing squash.
Wasu, Reserves & Risk Mitigation Officer
Hedging the risk poll using the Premium Finance Funding helps in protecting surge of claims resulting from any unexpected catastrophic disaster like situation. Hedging is the purest form of parametric risk solution for transfer of portfolio risk without incurring huge cost and 'spreading of risk model' as in traditional re- insurance.
Payal, Underwriting and Funding Specialist
Engineer by qualification and a geek with an iota Elon Musk's touch. With over 25 years of experience in claim settlement and risk mitigation, Mr Sharma support start-ups as an angel investor. Cabchooze Taxi App, NZ's 1st Taxi app is one example.
B.K.Sharma, Advisory Committee

CLAIMYEXCESS PRODUCTS

CLAIMYEXCESS FOR YOUR HOME INSURANCE

Our CLAIMYEXCESS reimburses your Home Insurance Excess, if a claim happens due to an accident and later followed by the successful settlement of a claim.
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Once YOUR related lead/main insurance company settles the claim after deducting an Excess (which normally can be $250/$500/$1000 or more), at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover pays You the deducted Excess for that risk - up to the amount YOU selected (as stated in the Confirmation of Cover(CoC) issued by Us).
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CLAIMYEXCESS FOR YOUR VEHICLE INSURANCE

Our CLAIMYEXCESS reimburses your Vehicle Insurance Excess, if a claim happens due to an accident and later followed by the successful settlement of a claim.
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Once YOUR related lead/main insurance company settles the claim after deducting an Excess (which normally can be $250/$500/$1000 or more), at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover pays You the deducted Excess for that risk - up to the amount YOU selected (as stated in the Confirmation of Cover(CoC) issued by Us).
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CLAIMYEXCESS FOR YOUR TAXI/COURIER INSURANCE

Our CLAIMYEXCESS reimburses your Taxi or Courier Vehicle Insurance Excess, if a claim happens due to an accident and later followed by the successful settlement of a claim.
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Once YOUR related lead/main insurance company settles the claim after deducting an Excess (which normally can be $250/$500/$1000 or more), at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover pays You the deducted Excess for that risk - up to the amount YOU selected (as stated in the Confirmation of Cover(CoC) issued by Us).
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CLAIMYEXCESS FOR YOUR TRUCK/MOBILE PLANT INSURANCE

Our CLAIMYEXCESS reimburses your Truck/Mobile Plant Insurance Excess, if a claim happens due to an accident and later followed by the successful settlement of a claim.
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Once YOUR related lead/main insurance company settles the claim after deducting an Excess (which normally can be $250/$500/$1000 or more), at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover pays You the deducted Excess for that risk - up to the amount YOU selected (as stated in the Confirmation of Cover(CoC) issued by Us).
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AGREED VALUE TOPUP (MOTOR VEHICLES)

Our CLAIMYEXCESS reimburses the Agreed Amount agreed by Us, if a claim happens due to an accident and later followed by the successful settlement of a claim.
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Once YOUR related lead/main insurance company settles the claim, CLAIMYEXCESS reimburses the amount limited to the difference between the vehicle value and the Market Value Insured /assessed by the Insurer when settled on constructive total loss basis and/or written off basis or the stolen vehicle not recoverable within 60 days from the date of event, at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover reimburses You up to the amount YOU selected (as stated in the Confirmation of Cover(CoC) issued by Us).
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CLAIMYEXCESS FOR YOUR BUSINESS INSURANCE

Our CLAIMYEXCESS reimburses the Business Insurance Excess, if a claim happens due to an accident and later followed by the successful settlement of a claim.
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Once YOUR related lead/main insurance company settles the claim after deducting an Excess (which normally is $1000), at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover pays You the deducted Excess for that risk - up to the amount YOU selected (as stated in the Confirmation of Cover(CoC) issued by Us).
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CLAIMYEXCESS FOR YOUR PROFESSIONAL INDEMNITY

Our CLAIMYEXCESS reimburses the Professional Indemnity Insurance Excess, if a claim happens and later followed by the successful settlement of a claim.
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Once YOUR related lead/main insurance company settles the claim after deducting an Excess, at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover pays You the deducted Excess for that risk - up to the amount YOU selected (as stated in the Confirmation of Cover(CoC) issued by Us). .
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CLAIMYEXCESS FOR YOUR FINANCIAL INTEREST SHORTFALL

Where the Finance contract is solely taken for the purpose of purchase or lease of the Motor Vehicle and the agreed event happens resulting from the accident, at the absolute discretion of APPSOFT LTD and its terms and conditions,
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the CLAIMYEXCESS protection covers the shortfall between the Total Loss payments (prior to the deduction for excess or additional premiums) and the pure Balance outstanding with Financier (excluding costs resulting from arrears, penalty interest, late payments and other avoidable costs) limited to the maximum amount specified on the Confirmation of Cover(CoC) issued by us.
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