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Vernier by CamComDamage Assessment - Insurance

If it can be insured, it can be inspected.

From a passenger car to a cargo ship, an apartment to a warehouse, a farm to a fleet — Vernier by CamCom assesses any insurable asset for damage, and returns the decision that matters.
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25+

Trusted by insurers

4.5M+

Assets inspected

15+

Global Customers

20%

Auto-settlement

Total inspections completed till date

3
1
8
0
2
6
9

One damage assessment layer. Every insurable asset.

Most computer vision systems are built for one asset, one geography, one product line. CamCom is built for the way insurance actually works — across every asset class an insurer.

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Asset-agnostic intelligence

  • The same AI World Model assesses a scratch on a 2-wheeler bumper, a structural crack in a warehouse wall, and a dent in a fuselage panel.

  • The asset changes.

  • The intelligence doesn't.

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Lifecycle-complete coverage

  • Underwriting, pre-inspection, claims, renewal — one platform across the full policy lifecycle.

  • No parallel systems for different stages.

  • No re-integration between products.

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Insurer-configurable at every layer

  • Capture flows, damage taxonomies, approval rules, cost matrices — all configurable per insurer, per product, per geography.

  • The platform adapts. The AI stays consistent.

USE CASE 01

Motor - From a bicycle to a 747.

Motor - From a bicycle to a 747.
USE CASE 02

Property — From a studio apartment to a stocked warehouse.

Property — From a studio apartment to a stocked warehouse.
USE CASE 03+

And everything else that can be insured.

The platform's inspection logic applies wherever there is an asset, a risk, and a camera. New asset class emerging?

Marine Cargo

Marine Cargo

Container structural damage vs. goods-inside as a separately scoped use case. Needs product sign-off first.

Aviation

Aviation

Aviation & Aerospace — Fuselage, wing, and component condition for commercial and private aviation. Objective damage documentation for MROs, lessors, and aviation insurers.

High Value Assets

High Value Assets

High-Value Assets — Art, jewellery, luxury goods, and collectibles. Item-level condition documentation. Pre-policy assessment. Post-event comparison for fine-art and specie insurers.

Industrial

Industrial

Industrial & Manufacturing — Machinery, plant equipment, and production lines. Pre-coverage inspection, breakdown damage assessment, and wear-and-tear monitoring for industrial all-risk insurers.

Automotive Aftermarket

Automotive Aftermarket

Automotive Aftermarket — Lease returns, de-fleeting, dealer trade-ins, and certified pre-owned programmes. Cloud-based damage assessment with per-panel repair-or-replace recommendations — the same decision logic insurers rely on, applied to the aftermarket.

"If your insurance category isn't on this page, that's the conversation. The platform extends to the asset class your book is already growing into."

The same platform across the full policy lifecycle.

Most insurance technology is a stack of point solutions stitched together. CamCom is one platform that runs from the first underwriting decision to the final claim settlement.

Underwriting & Pre-Inspection

Underwriting & Pre-Inspection

  • Customer captures the asset via TriNetra™ on any smartphone — or uses existing channels (dashcam, drone, surveyor app, fixed CCTV).

  • The AI World Model returns part-level condition scores in seconds.

Claims & FNOL

Claims & FNOL

  • Customer-led capture at the moment of loss.

  • AI assesses damage at part level with 96%+ accuracy.

Cost Estimation

Cost Estimation

  • Repair-vs-replace recommendation per damaged component.

  • Labour, paint, and parts cost breakdown generated against insurer-configurable cost matrices.

  • Instant quote, no workshop visit.

Automated Settlement

Automated Settlement

  • Insurer's rules engine runs instantly on the structured AI output.

  • 40% of clean claims auto-settled.

Physics over pixels.

Physics over pixels.

The AI World Model holds accuracy where pattern-matching breaks down — low light, motion blur, partial occlusion, customer-shot smartphone photos in real-world conditions.

Not a tool you operate. A capability that flows into your stack.

Vernier isn't an app your adjusters log into. It's a structured intelligence layer that delivers assessment output directly into the core systems you already use.

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Structured data, not descriptions

Damage maps. Severity scores. Part-level health reports. Repair-vs-replace decisions. Compliance flags. Delta Reports. Everything delivered as structured API responses — designed to flow into claims management, not to be re-read by an adjuster.

Damage maps. Severity scores. Part-level health reports. Repair-vs-replace decisions. Compliance flags. Delta Reports. Everything delivered as structured API responses — designed to flow into claims management, not to be re-read by an adjuster.

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API-first, system-native

One integration. End-to-end intelligence. The platform plugs into your existing core systems — policy admin, claims, underwriting, fraud — and the AI output appears where your team already works.

One integration. End-to-end intelligence. The platform plugs into your existing core systems — policy admin, claims, underwriting, fraud — and the AI output appears where your team already works.

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Built for insurance compliance

GDPR compliant. ISO 27001 aligned. Full audit trail on every inspection — every image, every score, every decision logged with timestamp and geotag. Regulatory-ready across India, the Middle East, Southeast Asia, and Europe.

GDPR compliant. ISO 27001 aligned. Full audit trail on every inspection — every image, every score, every decision logged with timestamp and geotag.

Three things no other inspection platform can match for insurers.

01

Cross-asset intelligence

Most insurance AI vendors do one asset class well. CamCom’s AI World Model assesses every asset class on a single architecture. Your motor book, your property book, your marine and aviation books — all running on the same platform, all benefiting from cross-asset learning.

Most insurance AI vendors do one asset class well. CamCom’s AI World Model assesses every asset class on a single architecture.

  • 24-billion parameter AI World Model

  • 450M+ customer-validated training images

  • Six Sigma-level accuracy

02

Fraud architecture, not fraud features

Geotagging, timed capture sessions, geofencing, VIN/serial verification, Delta Reports across inspections, and cross-claim comparison — fraud deterrence isn’t a module bolted on top. It’s structural to how every inspection runs. The cheapest claim to investigate is the one that never gets filed.

Geotagging, timed capture sessions, geofencing, VIN/serial verification, Delta Reports across inspections, and cross-claim comparison — fraud deterrence isn’t a module bolted on top. It’s structural to how every inspection runs.

  • 20% reduction in direct claim payouts

  • Pre-existing damage excluded automatically

03

5 years of insurance-grade deployment

Real production deployments at the world’s largest insurers — not pilots, not POCs. HDFC ERGO has been live with CamCom for 5 years and counting. ERGO selected CamCom as the first participant in its ScaleHub Programme. Zurich, Bajaj Allianz, Tata AIG, SBI General — production deployments, audited outcomes.

Real production deployments at the world’s largest insurers — not pilots, not POCs. HDFC ERGO has been live with CamCom for 5 years and counting.

  • 5+ year client tenures

  • 25+ enterprise insurance clients

  • 30+ countries · First in ERGO ScaleHub

Proof, not promises.

Real enterprise deployments. Hard numbers. Clients who have been with us for years — not months.

HDFC ERGO General Insurance — India's leading private insurer
Featured

HDFC ERGO General Insurance — India's leading private insurer

Challenge:

Manual break-in inspections were human-intensive, slow, and subjective — driving high loss ratios and poor customer experience.

CamCom Solution:

AI-powered remote inspection deployed via mobile. Real-time damage assessment with guided image capture, automated health scores for premium calculation, and instant policy renewal.

Read Case Study
Eight hours to five minutes

Eight hours to five minutes

The dealership that stopped arguing about scratches

The dealership that stopped arguing about scratches

What our clients say

Atul Gujrathi

Atul Gujrathi

Joint President – Claims, HDFC ERGO General Insurance

1/4

Subhankar Dey

Subhankar Dey

Assistant Vice President -Motor Claim Innovation Team at HDFC ERGO General Insurance

2/4

Shri NitinJi Gadkari Byte

Shri NitinJi Gadkari Byte

Minister of Road Transport and Highways

3/4

Zurich

Zurich

4/4

Questions insurers ask.

Does CamCom replace our adjusters?

No. CamCom replaces the inspection — not the adjuster. Clean cases auto-process so your team can focus on the complex claims that actually need expert judgement. The work doesn't disappear. It gets concentrated where it matters.

Does the AI handle every asset class equally well?

How do you prevent customers from gaming the inspection?

How long does deployment take?

What about data security and compliance?

What if our asset class isn't on this page?

Bring us your hardest asset class.

A 30-minute demo on your toughest insurance use case — whichever asset class is costing you the most loss ratio leakage, the slowest claims, or the highest fraud exposure.

Inspection cost illustration