Where Can Saudi Arabian Insurance Companies Apply VIEWAPP Digital Inspections?
Entering a new market always requires studying not only potential clients but also the specifics of local legislation, business processes, and established practices.
An analysis of the Saudi Arabian insurance market has shown that, despite the country's high level of digitalization, opportunities for implementing digital inspections are unevenly distributed. In some areas, the market is already centrally regulated, while in others, remote inspections can significantly reduce decision-making time and lower operational costs for insurance companies.
Motor Insurance Is Not the Primary Market for Digital Inspections
In many countries, motor insurance is the first area where digital inspections are applied. However, Saudi Arabia is an exception.
A significant portion of the first notice of loss (FNOL) process is centralized and handled through the state-run Najm system or the police. This process is already standardized for insurance companies, so the introduction of third-party solutions in the mass motor insurance segment has limited prospects.
This example clearly demonstrates how important it is to consider the specifics of the local market. A technology may be in demand worldwide, but the scenarios for its application will vary significantly from country to country.
Where Digital Inspections Can Deliver Maximum Value
Property and engineering risk insurance appear to be the most promising areas. In these segments, insurance companies regularly need to arrange for specialists to visit sites to inspect commercial real estate, manufacturing facilities, construction projects, equipment, and specialized machinery.
In many cases, the insurance company does not require a complex on-site expert assessment to make a decision, but rather a complete set of reliable materials. This is precisely the stage that can be digitized.
- The client receives an inspection scenario, photographs the object through the secure VIEWAPP camera, and within minutes the underwriter receives a structured report with photographs, checklists, videos, and geolocation data.
- This enables faster underwriting decisions without arranging a site visit when the physical presence of an expert is not mandatory.
A similar approach can be used after an insured event occurs. For property insurance, digital inspection allows damage to be promptly documented and materials transmitted to claims specialists. In this context, what becomes particularly important is not the photograph itself, but the ability to verify its authenticity.
Data Trustworthiness Becomes More Important Than Artificial Intelligence
Today, one of the main challenges for insurance companies is obtaining not just photographs of assets, but data whose origin is beyond doubt.
The advancement of generative artificial intelligence is making image manipulation increasingly easier. Therefore, protecting the capture process itself is becoming more important than merely verifying finished photographs afterward.
To address this, VIEWAPP uses its own camera integrated into the mobile application. The platform prevents uploading images from the device's gallery, monitors geolocation, analyzes smartphone sensor data, and checks photographs for signs of various types of fraud. As a result, an evidentiary base is created that can be trusted even before risk assessment or loss quantification begins.
The Prospects Go Beyond Insurance
The research revealed another important insight: the digital inspection platform can be used not only by insurance companies.
The platform's versatility allows the same approach to be applied to remote inspections regardless of industry. The inspection scenarios and reporting requirements change, but the underlying technology remains the same. This enables VIEWAPP digital inspections to be applied in:
- insurance,
- banking,
- construction,
- manufacturing,
- government oversight,
and other sectors where obtaining reliable information about assets without arranging on-site inspections is critical.
An additional advantage of the platform is the relatively fast project launch. In most cases, from the start of implementation to the first digital inspections takes about two months. During this time, inspection scenarios are configured, the platform is integrated into existing business processes, staff are trained, and initial pilot projects are launched. This approach allows economic benefits to begin materializing within the first months after implementation through reduced site visits, faster policy issuance, accelerated claims processing, and improved employee efficiency.