Getting a motor insurance quote used to mean a phone call, a stack of questions, and a callback three days later. Filing a claim was worse — paperwork, fax machines, and weeks of waiting for an answer. We built an app that does both in minutes.
Cinico is a mobile insurance platform that covers motor and home policies. Get a quote, manage your policy, file a claim, and sign documents — all from your phone, without a single phone call.
01Quotes in minutes
The quoting process was designed to be fast without being shallow. For motor insurance, the app walks users through their vehicle details, driving history, and coverage preferences in a clean, step-by-step flow. Each screen asks one or two questions. Progress is visible. Nothing feels like a form.
Home insurance follows the same pattern — property details, coverage needs, and a clear summary before confirmation. The interface adapts to the policy type, showing relevant fields and hiding everything else.
Behind the scenes, the app communicates with a backend API that handles rate calculation, risk assessment, and policy generation. The user sees a quote. What they don't see is the integration work that makes it accurate and instant.
02Claims without the paperwork
Filing an insurance claim is stressful. You've had an accident or your home has been damaged, and the last thing you want is to navigate a bureaucratic process. Cinico's claims flow was designed with that emotional state in mind.
Digital quotes
Step-by-step motor and home insurance quotes, completed in minutes instead of days.
Photo claims
Capture damage photos, add witness details, and submit guided claims from the scene.
E-signatures
Sign documents on-screen — no printing, scanning, or post office visits required.
Policy dashboard
All policies in one place — coverage details, renewal dates, and downloadable documents.
The real improvement is digital document signing. Instead of printing, signing, scanning, and posting documents, users sign directly on their phone screen using integrated e-signature technology. The signed document is stored securely and attached to the claim automatically.
No paper. No fax machines. No post office visits. No waiting for a letter that might get lost.
03Policy management that makes sense
Once a policy is active, the app becomes a dashboard. Users see their motor and home policies in one place, with clear information about coverage, renewal dates, and payment status. Policy documents are downloadable. Contact information is one tap away.
The navigation separates concerns cleanly: policies, quotes, claims, and settings each have their own section. Users aren't forced to wade through irrelevant screens to find what they need.
04Why mobile-first matters for insurance
The insurance industry has been slow to move to mobile. Many insurers still rely on call centres and postal correspondence. But the shift is inevitable, and the companies building mobile-first experiences now are the ones who'll own the next generation of customers.
Younger customers expect to manage everything from their phones. They don't want to call anyone. They don't want to wait for a letter. They want to get a quote during their lunch break and see the confirmation before they finish their coffee.
Older customers, it turns out, appreciate it too. The guided flows are clearer than phone conversations. The written summaries are easier to review than verbal explanations. And the ability to take photos of damage and attach them immediately is better than trying to describe a dent over the phone.
Insurance is a trust product sold through a screen. Every pixel has to earn it.