How Smart Engines AI helps a partner of AXA Group in Russia sell car insurance online


Insurance company RESO-Garantia, a partner of AXA Group in Russia, is digitalizing auto insurance using AI-driven OCR technologies developed by Smart Engines. The precise automatic scanning via Smart ID Engine is applied for processing insurance policies online. The software product captures data from ID, driver’s license and vehicle registration certificate to help the insurance company provide its customers with fast and secure remote onboarding.

To apply for insurance policy online the clients may sign up on the insurance company’s website by entering their personal data. To purchase a third party insurance or a comprehensive coverage it is also required to enter data about the insured and the object of insurance by uploading images of the relevant documents. It can be both scans and photos. 

Smart ID Engine ensures secure working with personal data. Scanning software is installed on-premise and processes photos without transferring images or data to any services. The high-performance solution detects the type of document and extracts all the necessary data. Then, the data is automatically entered in the corresponding fields of the quote that significantly reduces client service time. After registration, customers can buy or renew the insurance policies and download it easily from the website.

“In spite of the fact that such solutions for document recognition appeared a long time ago, they did not then fully meet the requirements of online procedures and business processes when working with document photos and recognition speed. For our customers, we chose a software product of Smart Engines, which enables us to extract data in less than 1 second and works with confidence with photos taken on a mobile phone,” said Dmitry Gorchilin, Chief of the Information Technology Department of RESO-Garantia.

“Remote customer service is crucial for a modern insurance company focused on car insurance business development/growth. We are glad that today our AI-powered proprietary technologies for document scanning enable millions of customers to effortlessly buy insurance policies online,” said Nikita Arlazarov, Chief Financial Officer of Smart Engines.

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