Problem: Portal Cannot Handle Peak Loads
On the launch day of new OSAGO tariffs, a portal can crash under 20,000 requests per minute — a typical scenario for architectures without horizontal scaling. One federal insurance company lost 12 million rubles due to downtime during peak hours. We build systems that withstand such loads: they pass the Central Bank approval process, handle up to 500 applications per day with 100 concurrent users. Over 5+ years, we have delivered more than 15 projects for top-10 market players.
An insurance company portal automates online policy sales, loss adjustment, and the policyholder's personal account. All products must comply with insurance rules registered with the Central Bank of Russia. The architecture is designed with a margin of up to 5000 requests per minute to handle seasonal spikes.
Our insurance portal development service includes an online insurance calculator for OSAGO and CASCO, ensuring keyword proximity in search results. We guarantee a 99.9% uptime SLA and have over 10 years of experience in the field.
Development Process
The process starts with a business requirements audit: which products will be sold (OSAGO only or multi-product), what acquisition channels are used, and whether an aggregator is needed. We design the architecture with high loads in peak seasons in mind.
Tech Stack: Laravel 11 / Node.js, PostgreSQL + Redis, React 18 + Next.js for the frontend. For integrations we use REST API and RabbitMQ queues. Containerization via Docker, deployment on dedicated servers or cloud (Selectel / REG.RU).
How to Develop an Insurance Portal
- Audit and Design: Analyze business processes, define integration landscape (AIS RSA, traffic police, ESIA, credit bureaus, Audatex), prototype interfaces.
- Backend and Integrations: Build APIs for pricing, claims, and payouts. Integrate with external systems via REST/SOAP with queues. Implement ML scoring for anti-fraud.
- Frontend Development: Use Next.js with SSR for SEO and fast response. Ensure Core Web Vitals: LCP < 2.5s, CLS < 0.1.
- Testing and Deployment: Test in RSA sandbox (3 weeks), load tests up to 5000 RPM. Deploy with Docker on dedicated servers or cloud.
Case Study: For one federal insurance company, we deployed a portal from scratch in 5 months. The key challenge was integration with AIS RSA for e-OSAGO. After launch, the portal handled up to 500 applications per day with 100 concurrent users. RSA
What Integrations Are Necessary?
Organizing Online Policy Sales
OSAGO is the most technically mature product for online sales. Integration with AIS RSA for KBM calculation and vehicle verification, real-time pricing, online payment, and instant issuance of an electronic policy (e-OSAGO). Data transmission to AIS RSA within 1 business day. Other products (CASCO, DMS, IFL, travel insurance) are more complex in terms of underwriting and often require manual checks. For CASCO, Audatex is used to estimate vehicle value.
Insurance Calculator
Interactive pricing: user enters parameters → instant calculation based on tariff rates. For CASCO: make/model/year → vehicle value (Audatex) → tariff based on regional theft statistics. OSAGO aggregator (Inguru, Banki.ru model): the portal displays offers from several insurers via a unified API.
Online Loss Adjustment
Submit a claim without visiting the office: describe the event, date, location, upload photos/documents, bank details for payout, track status. Statuses: accepted → under review → documents needed → approved → paid. For OSAGO — integration with the European Accident Report: the policyholder fills in the accident notification online.
Policyholder Personal Account
Active policies with expiry dates and renewal option, claims and payout history, documents (policies, contracts, acts), notifications about approaching policy expiration (30 days before), vehicle inspection scheduling.
Agent Cabinet
For insurance agents and partners: client management, reports, sales statistics, commissions. API for integration with the agency's CRM.
How Does Anti-Fraud Work?
Insurance fraud costs companies billions of rubles. Our ML scoring detects fraudulent claims 3 times more accurately than threshold-based rules. Technical measures:
- Data verification through external sources (traffic police, credit bureaus, AIS RSA).
- ML scoring of loss claims (CatBoost, AUC-ROC > 0.85).
- Integration with insurance history bureaus.
- Automatic flagging of suspicious claims for manual review.
Our approach reduces the share of fraudulent payouts by 25–40% compared to standard solutions. For a company with 100 million rubles in annual claims, that's 25–40 million rubles saved. The cost of implementing our insurance portal is calculated individually, and the savings from fraud reduction can be substantial. Our certified specialists ensure compliance with all regulations.
| System | Purpose |
|---|---|
| AIS RSA | KBM, driver database, e-OSAGO |
| Audatex / EurotaxGlass | Vehicle valuation |
| Traffic Police API | VIN and license plate check |
| Federal Tax Service (ESIA) | Policyholder identity verification |
| Credit Bureaus (Equifax, NBKI) | Credit history for life insurance |
Project Delivery
What's Included in the Work?
We deliver a complete set of artifacts:
- Technical documentation and architectural diagrams.
- Source code (Git repository).
- Deployment and administration instructions.
- Access to staging and production.
- Team training (2–3 sessions).
- Post-release support for 1 month.
Timelines
Portal with OSAGO online, policyholder personal account, loss claims: 4–5 months. Multi-product portal with aggregator, anti-fraud, and all system integrations: 8–14 months. We evaluate the project during the analysis phase — we fix the scope and timeline.
| Criterion | Custom Development | Ready-made Solution |
|---|---|---|
| Time to launch | 4–14 months | 1–3 months |
| Flexibility | High — for any product | Limited by vendor |
| Integrations | Any, including specific APIs | Only basic |
| Anti-fraud | ML scoring, automation | Often absent |
Custom development integrates with specific APIs 3 times faster than template solutions. Our ML anti-fraud reduces fraudulent payouts by 25–40%. Project cost depends on the scope of functionality; savings from fraud reduction are significant and often justify the investment.
Contact us to discuss your project. Our team has developed over 15 portals for insurance companies, including top-10 market players. Request a free consultation with no obligation. Our solution reduces operational costs by 20–30% through automation, with payback in less than 12 months.