Case Study: Leading European Auto Insurer Company achieves $1M+ in underwriting risk mitigation and 3x more risky-policy detection with Shift Technology

Shift Exceeds Expectations with Underwriting Risk Detection

Leading European Auto Insurer Company faced rising missed-premium and fraud risk from a legacy underwriting process that renewed risky or misrepresented policies and relied on slow, manual investigations. The insurer engaged Shift Technology to evaluate whether Shift’s Underwriting Risk Detection could scale underwriting controls, surface novel risks, and accelerate policy decisions without hurting customer experience.

Shift Technology ran a five-month proof of concept—optimizing AI detection models in three months and integrating three capabilities: underwriting-focused AI decisioning, expanded detection scenarios, and workflow integration with automated, explainable alerts. The solution generated more than 3x the expected relevant policy alerts, exceeded the 50% accuracy target, uncovered 100+ previously missed risky policies, and produced at least $1M USD in projected underwriting impact; Shift Technology’s system is now rolled out across the insurer’s personal auto line with scheduled alerts at new business, claims, and pre-renewal to streamline investigations.