NIVA is now Vatoo. Read the short story

Vatoo
All use cases

Insurance FNOL Claims Chatbot

Capture first notice of loss instantly. Vatoo guides claimants through structured claim details and routes a complete FNOL to your claims system.

No codeWhite-labelPersona + Flow + Smart Form
Workflow previewExample

Step 01 · Trigger

"report a claim"

Step 02 · Knowledge base

reassure and explain the process

Step 03 · Form

policy number, loss type, date, description

Step 04 · Condition

branch by claim type

Step 05 · Webhook

create a complete FNOL in the claims system

From the problem
to the fix

Claimants report losses by phone with variable detail, slowing claims handling and frustrating customers at a stressful moment.

An insurance claims persona guides claimants through the Flow Engine, capturing structured loss details, dates and evidence references via Smart Forms, branches by claim type, and fires a webhook to the claims system with a complete FNOL.

5 steps,
with clear handoffs

01 · Trigger

"report a claim"

02 · Knowledge base

reassure and explain the process

03 · Form

policy number, loss type, date, description

04 · Condition

branch by claim type

05 · Webhook

create a complete FNOL in the claims system

What changes
in your workflow

FNOL completeness

Structured

With configured workflows

Reporting speed

24/7 self-service

With configured workflows

Claimant experience

Guided

With configured workflows

Handling time

Faster start

With configured workflows

Built on Vatoo's engines

Use the AI Agents for answers from approved sources, Smart Forms for required details, and the Flow Engine for branches and handoffs. Connected actions depend on the APIs, permissions, and plan you configure. Test incomplete requests and failed actions before launch.

This works in two directions. As a public-facing agent it engages prospects and customers directly on your website or app; as an internal tool it answers staff questions and runs intake against internal systems. The same engines power both, and which direction you deploy depends only on which knowledge sources and systems you connect.

Workflow overviewRead more

Insurance First-Notice-of-Loss (FNOL) Chatbot is a no-code, white-label conversational agent built on Vatoo's persona, flow, and smart-form engines. Claimants report losses by phone with variable detail, slowing claims handling and frustrating customers at a stressful moment. With Vatoo, an insurance claims persona guides claimants through the Flow Engine, capturing structured loss details, dates and evidence references via Smart Forms, branches by claim type, and fires a webhook to the claims system with a complete FNOL.

Related use cases

See this use case on your business

Watch a insurance fnol claims chatbot run on your own content in a 30-minute demo.