Zego Renews Clearspeed Deal for Voice Risk Technology

Zego has extended its partnership with Clearspeed to deploy voice-based risk assessment technology across its motor insurance claims operation. 

The renewal follows a period in which the London-based insurtech recorded 60% growth in the UK market in June 2025, driven in part by expansion into the private car insurance segment.

The company, which was founded in 2016, initially built its business around commercial motor cover before entering the consumer market. 

It uses telematics data collected through a mobile application to price policies based on driving behaviour.

Under the renewed agreement, Clearspeed's technology will continue to analyse vocal patterns during the claims reporting process to identify fraud risk. 

The system asks claimants a series of automated questions and evaluates responses to determine whether cases should be fast-tracked or referred for investigation.

Claims routing based on vocal analysis

When a customer files a claim, they respond to a short series of yes or no questions. Clearspeed's platform then analyses vocal characteristics to assess risk levels. 

Cases flagged as low-risk are processed immediately, while those showing higher risk indicators are routed to claims adjusters for review.

The technology has been integrated into Zego's claims workflow and is now embedded in the company's standard claims handling process. 

Zego reports that the system has reduced manual processing time and administrative overhead, allowing the company to allocate resources based on risk profiles.

Ian Kershaw, Vice President of Customer Service, Claims and Fraud at Zego, says the partnership enables the company to differentiate between claims that require immediate attention and those that can be processed automatically.

“We're able to fast-track low-risk claims, streamline the time to payment for our customers, and focus our adjusters on those that need more attention,” Ian says. 

“We're driving internal efficiency and delivering a better customer experience, while still effectively mitigating fraud – allowing us to price competitively as well.”

Fraud detection metrics

Zego has recorded a tenfold increase in claim abandonments following the implementation of Clearspeed's technology, which the company attributes to cases involving suspicious activity. 

The system has generated average fraud savings of £550 per claim and has identified patterns consistent with organised fraud activity, according to the company.

The technology is used by insurance companies to triage claims at the first notice of loss stage. By analysing vocal stress patterns and micro-variations in speech, the platform assigns risk scores that inform claims routing decisions.

Clearspeed reports that its insurance clients have achieved a 30-fold return on investment on average, alongside a 40% increase in immediate claim settlements and a 50% reduction in claims handling time. 

The company also cites a 36% increase in fraud prevention savings across its client base.

Manjit Rana, Executive Vice President of Insurance at Clearspeed, says the partnership demonstrates how voice analytics can support claims operations at scale. 

“Zego has built its reputation on innovation and customer focus, and we are proud to support them in setting a new standard for insurance in the UK market,” Manjit says. 

“This renewal isn't just about claims – it's about being smarter together. By combining our technologies, we're delivering operational efficiency, reducing fraud and helping customers get back on the road faster. It's proof that insurance innovation can raise the bar for insurers and the insured.”