Generali Tranquilidade: Digital Vehicle Inspections for Motor Underwriting

Generali Tranquilidade, the Portuguese business of Generali Group, works with Inspektlabs to offer digital vehicle inspections as part of its motor insurance underwriting process.

Industry:Motor Insurance

Location:Portugal

The Background

Generali Tranquilidade offers digital vehicle inspections as part of its motor insurance underwriting process, working with Inspektlabs to let customers inspect their vehicles remotely using a smartphone.

For own-damage motor cover, insurers typically need a record of the vehicle’s condition before a policy is issued. Digital self-inspections let customers capture the vehicle’s images themselves, at a time and place that suits them, with the images reviewed remotely. This approach is becoming increasingly common across European motor insurance.

About Generali Tranquilidade

Part of Generali Group, a leading European insurance group.

Serves motor insurance customers across Portugal.

Operates through a network of agents and sales representatives.

The Problem

Traditionally, capturing a vehicle’s condition before issuing own-damage cover meant a physical, on-site inspection. This required coordinating a time slot and location between the customer and an inspector.

For customers, that coordination could mean waiting for an appointment before their policy coverage was activated, adding friction and slowing down time-to-policy issuance.

Key Challenges

Physical, on-site inspections had to be scheduled between the customer and an inspector.

Appointment coordination could delay activation of policy coverage.

Manual inspection added friction to the underwriting process.

Solution

Inspektlabs provides a guided, smartphone-based inspection flow, designed to be simple for customers who may never have inspected a vehicle before. All underwriting decisions remain with Generali Tranquilidade.

The guided inspection flow works in a few simple steps:

✓

The agent generates an inspection link and shares it with the customer.

✓

The customer follows on-screen guidance to capture photos of the vehicle from the required angles.

✓

Inspektlabs’ AI analyses the images and identifies visible damage.

✓

The agent receives a vehicle inspection report with the images and findings.

The guided flow helps customers capture the right images the first time, and the report gives agents a structured, visual record of the vehicle’s condition to support their review.

Inspektlabs configured the inspection flow for the Portuguese market and continues to provide ongoing support, with product updates and improvements shaped by feedback from the Generali Tranquilidade team.

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The Impact

Since the rollout, Generali Tranquilidade has reduced underwriting timelines for own-damage motor insurance by several days, improving time-to-policy issuance.

The AI-driven inspection process increased consistency and objectivity in vehicle assessments, supporting fraud mitigation efforts while improving transparency and operational efficiency across claims and inspection management workflows.

The Inspektlabs Impact

Faster underwriting – underwriting timelines reduced by several days.

Greater consistency – improved objectivity in vehicle assessments.

Stronger fraud mitigation – enhanced transparency and operational efficiency.

Faster

Underwriting timelines reduced by several days

Consistent

Greater objectivity in vehicle assessments

Secure

Stronger fraud mitigation & transparency

Conclusion

Generali Tranquilidade and Inspektlabs have worked together since 2023. The partnership reflects a shared interest in making vehicle inspections simpler and more convenient for customers and agents, and in applying new technology responsibly within a regulated industry.

Inspektlabs remains committed to supporting Generali Tranquilidade as the solution continues to evolve.