Consolidated Hallmark Deploys Curacel for Motor Claims

In Short

• Consolidated Hallmark says it is tightening relationships with insurance brokers as it plans for post-recapitalisation growth.
• The insurer has also deployed Curacel to digitise motor inspections, which can speed up vehicle assessments and claims handling.

What Happened

Consolidated Hallmark is repositioning for growth after Nigeria’s insurance recapitalisation push, which requires insurers to raise more capital to keep operating at certain licence levels. The company says it wants stronger ties with brokers, who act as intermediaries and bring in a large share of retail and SME insurance business.

Alongside the broker push, Consolidated Hallmark has deployed Curacel for motor insurance inspections. Curacel is a digital motor inspection platform, meaning it helps capture vehicle condition data and photos in a structured way, like turning what used to be a paper checklist into a guided app workflow.

In practice, this kind of tooling can reduce back-and-forth between customers, brokers, surveyors, and claims teams. It can also improve documentation quality, which is often the difference between a claim that moves quickly and one that stalls.

Why It Matters

Motor insurance is one of the highest-volume retail insurance lines in Nigeria. It also tends to generate frequent claims and disputes, so insurers that can assess vehicles faster and document incidents clearly can improve turnaround time.

For brokers, faster inspection and claims cycles can translate into better customer retention. It also reduces the operational load of chasing paperwork and status updates.

For the wider market, the combination of recapitalisation pressure and process automation is pushing insurers to modernise core workflows. Digital inspection tools are a practical step because they target a visible pain point, claims delays, without requiring a full core system replacement.