What 'CLAIMYEXCESS' Does?

Disclaimer: CLAIMYEXCESS is not an Insurance product.

When you buy insurance policy, the insurance companies apply different excess
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on different risks i.e. Business, Taxi, Courier Van, Vehicle, House, professional Indemnity, etc.
The excess (which can be as high as $5000) is effectively an agreed amount of money that the insurer will deduct from your claim before sending you the Claim Payment which is not a very happy ending especially after a claim.
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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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,when you lodge a legit insurance claim with your Insurance Company, CLAIMYEXCESS reimburses at a low cost the paid excess at its discretion, if covered adequately with us.
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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

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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.

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Experienced Team

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

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Digital savvy

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

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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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i.e. hundreds of hard working family - run businesses including super markets, gas stations, dairy stores, liquor stores, bars, pubs, cafes, auto workshops, contractors, taxi/courier/truck owners, professionals and service providers.
Our team's hands on experience in bespoke risk solution and claim handling make us the most preferred choice with businesses and individuals in New Zealand.
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CLAIMYEXCESS is a digital, discretionary product developed to deliver next-generation parametric risk solution.

Our 15 Years of Experience
Helps You to Grow Your Business

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01. People

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02. Objective

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03. Planning

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04. Analytics

PEOPLE

 

 

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    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. comma-icon2

    Arjun, Specialist Digital Product Strategist

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    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. comma-icon2

    Wasu, Reserves & Risk Mitigation Officer

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    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. comma-icon2

    Payal, Underwriting and Funding Specialist

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    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. comma-icon2

    B.K.Sharma, Advisory Committee
 

CLAIMYEXCESS PRODUCTS

 

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    CLAIMYEXCESS FOR 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 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 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 TRUCK INSURANCE

    Our CLAIMYEXCESS reimburses your Truck 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 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 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 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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