All lines of business
Line of business · Motor
Motor: from rating to claim, on a single platform
Motor is a high-frequency, thin-margin line: it lives or dies by rating accuracy, issuance speed and loss-ratio control. Hermes gives you a no-code product workshop to model covers and rates, instant issuance and endorsements, batch renewals and a claims flow with measurable SLAs — connected to Spanish-market standards, and ready to run the same line across the EU and the UK.
What you can underwrite in Motor with Hermes
- Private cars & vehiclesCompulsory and voluntary liability, own damage, glass, theft, fire, travel assistance and legal defence.
- Fleets & commercial vehiclesRating and administration by fleet, with per-vehicle terms and joint renewal.
- Motorbikes, mopeds & special vehiclesModalities and covers configurable by vehicle type and use.
- Optional covers & guaranteesReplacement vehicle, occupants, accessories, new-value and variable deductibles per cover.
How Hermes manages it
- Rule-based ratingA calculation engine with no-code DMN/BPM rules: factors by vehicle, driver, use, age and bonus-malus — no developers needed.
- Multichannel quote & bindUnderwriting wizards per product, step-by-step quoting and instant issuance from the network, a landing or the API.
- EndorsementsVehicle, driver, cover and deductible changes with policy versioning and a diff between versions.
- Batch renewalsMass recalculation and renewal by batch, with premium-update rules and automatic notices.
- Claims with BPMFlows by type (own damage, liability, theft, glass), appraisal, reserves, payments and recoveries with tasks and SLAs.
- Connection to the Spanish marketStandardised exchange via EIAC and TIREA for portfolios, receipts and claims. Beyond Spain, the same Motor product runs multi-country and multi-currency for EU and UK operations.
Why Hermes for Motor
Configure it yourself
Adjust rates and rules when the market moves, in days and with no development tickets.
Volume without friction
Mass issuance and renewal designed for large portfolios and batch processes.
Loss ratio under control
Claims, reserve and IBNR KPIs by product and line to defend your technical account.
Frequently asked questions
- Can I migrate my current rate from Excel?
- Yes. The product workshop reproduces factors, tables and formulas with no-code rules, and Hermes includes data import to load your portfolio.
- Does it support fleet management with per-vehicle terms?
- Yes. The fleet is administered as a policy with particular conditions and joint renewal of all vehicles.
- How does it connect to the rest of the market?
- Through EIAC for standardised exchange with carriers and intermediaries, plus TIREA services.