Maritime Insurance

Verify Claims with Vessel Data

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Verify Claims with Vessel Data

Investigation Workflow

When a marine insurance claim arrives, the details matter. Was the vessel actually at the reported location? What was the weather like? Does the vessel's inspection history suggest maintenance issues? Here's how vessel data transforms claims investigation.

1
Phase 1

Claim Receipt & Initial Verification

A claim comes in reporting an incident at sea. Before proceeding, verify the basic facts against objective vessel data.

1
Extract vessel identifiers (IMO number, MMSI, vessel name) from claim documentation
2
Query vessel particulars to confirm vessel exists and matches description
3
Note vessel type, flag state, classification society, and build year
4
Cross-reference ownership records if beneficial owner verification is needed
2
Phase 2

Position & Route Verification

The heart of claims verification: was the vessel where the claimant says it was, doing what they say it was doing?

1
Query historical track data for the incident date and surrounding days
2
Verify vessel position matches claimed incident location
3
Check for gaps in AIS transmission that might warrant questions
4
Review voyage pattern leading up to incident for context
5
Identify any unusual routing or speed changes
3
Phase 3

Risk Profile Assessment

Understand the vessel's history to assess whether the incident aligns with known risk factors.

1
Pull Port State Control inspection records for the past 3 years
2
Review any detentions and the deficiencies that caused them
3
Check if deficiencies relate to the nature of the claimed incident
4
Assess overall inspection frequency and outcomes
4
Phase 4

Environmental Conditions Check

For weather-related claims, verify conditions at the time and location of the incident.

1
Query historical weather data for the incident location and time
2
Verify claimed weather conditions match recorded data
3
Assess whether weather was severe enough to cause reported damage
4
Document conditions as supporting evidence

APIs Used

5
Phase 5

Resolution & Documentation

Compile findings into an evidence package for claims decision.

1
Generate timeline visualization of vessel movements
2
Export position data as audit trail documentation
3
Summarize findings with supporting API response data
4
Flag any inconsistencies between claim and vessel data

This systematic approach to claims verification using vessel data helps insurers process legitimate claims faster while detecting potential fraud. The same data feeds into underwriting for more accurate risk pricing.

Claims Investigation Data Flow

How different data sources combine for comprehensive verification.

input
Incoming Claim
api
Vessel Particulars
api
Voyage History
api
Inspection Records
api
Weather Data
output
Claims Decision
Your Systems
API Endpoints
Output

Streamline Your Claims Process

Integrate vessel data into your underwriting and claims workflows

1

Get API Access

Create an account and receive your API credentials for immediate sandbox access.

2

Query Historical Positions

Use IMO or MMSI to retrieve vessel track data for any date range within 2 years.

3

Verify Claim Details

Cross-reference reported incident locations with actual vessel positions.

4

Build Risk Profiles

Combine inspection records and voyage history for comprehensive vessel assessments.

What You Can Achieve

Typical outcomes when implementing this use case

72 hrs
Investigation Time
Typical verification turnaround
Instant
Position Verification
Query historical data in seconds
Real-time
Fleet Monitoring
Continuous insured fleet tracking
3 Years
PSC History
Deep inspection record access

Want to learn more about maritime data?

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