Alior Leasing
Alior Leasing
Company description
Alior Leasing is an insurance-focused organization operating as part of the well-established Alior Bank Group and PZU Group. The company provides entrepreneurs with comprehensive business support in financing, insurance, and contract-related services, while continuously developing its offer in line with customer expectations and the realities of the insurance industry. At Alior Leasing, high service quality, trust, and secure processing of data and documents play a central role. This includes meeting GDPR requirements, managing customer consents, and ensuring compliance with KNF and IDD regulations. In such an environment, data protection, security, and regulatory compliance are not optional features but core elements of day-to-day operations.
Insurance management system
The project involved the end-to-end implementation of an insurance management system aimed primarily at improving quotation processes through integration with external web services. A key objective was to give sales representatives access to complete offers within leasing agreements in one integrated environment. The system supports the full handling of insurance policies, from quotation and policy issuance, through endorsements and renewals, to settlements and document archiving.
In practice, the solution supported insurance sales across an extensive distribution network that included sales representatives, agents, and partners. It also included CRM-like functions such as customer profile creation, data entry, customer data collection, and contact history management. This made the solution not only an insurance software product, but also a practical software platform supporting everyday business operations.
In the first phase, the system covered the entire process, from quoting and policy issuance to settlements with the insurance company, while also providing document handling and operational support in a single environment. In later phases, the project introduced, as one of the first initiatives of its kind in Poland, integrations with the quotation systems of PZU and ERGO Hestia. This enabled more consistent offer generation and significantly improved processing times.
The solution was further enhanced with advanced reporting, support for multiple insurance products, and a dedicated OFWCA subsystem for tracking permissions of agents and sales staff. Additional modules covered endorsements, sales agreements, and document workflow, increasing automation, strengthening control, and improving operational efficiency. Integration covered sales and leasing areas as well as offer generation based on actions performed by sales teams in the Alior Leasing environment, allowing them to prepare proposals quickly and align them with customer needs and risk assessment criteria.
Project goals
Provide end-to-end support for insurance processes, including quotation, settlements, document handling, automatic document generation, and integration with the core systems and internet services of insurance providers.
Automate routine tasks to shorten response times to customer inquiries, reduce manual tasks, accelerate offer preparation, and speed up the finalization of insurance sales.
Reduce human intervention in standard workflows, improve operational consistency, and enhance the overall customer experience.
Build an advanced policy administration system to manage the entire policy lifecycle efficiently and securely.
Web panel for the insurance industry
The web-based platform supports quotation, policy issuance, settlements, endorsements, and post-sale service, including status monitoring and full control over case progress. One of the critical elements was the inclusion of integrations with NIP24, automatic valuation systems, Eurotax, and internal Alior Leasing systems. As a result, customer profiles and external data sources could support analysis, verification, and better matching of offers.
The system also introduced communication automation, including notifications about offer status, important deadlines, renewals, and employee tasks, and in selected scenarios also SMS notifications. This improved customer service and reduced the need for phone-based communication, supporting higher customer satisfaction and more efficient handling of high-volume operations.
As part of the integrated process, sales flows included motor policies, GAP, accident insurance, third-party liability insurance, and casco insurance. The project was designed to support insurance-related business processes comprehensively, creating an effective and integrated management environment for employees and agents. The solution supported both agency-based work and more complex structures involving agencies and multi-agency elements, allowing sales to be carried out through multiple channels while maintaining consistent business rules and process control.
An important part of the solution was the OFWCA module, functioning as a registry for sales representatives and agents involved in insurance distribution. It supports permission management and the registration of authorizations. Permissions are confirmed through training and exams, must be renewed on time, and the system enables monitoring of validity periods, archiving, and secure storage of related documents. This ensures that insurance offers are presented only by individuals who meet formal requirements, which is essential for compliance and customer trust across the insurance market.
Support for insurance products
The project covered the full range of processes related to insurance handling at Alior Leasing, including multiple product variants and configurations. Every offer generated in the system could be signed by the customer, forming the basis for policy issuance and further processing across the insurance lifecycle.
The process included reporting and integrations with multiple insurers, which was essential because insurers differed in quotation methods, product parameterization, and offer structures. The system supported the sale of insurance products both as new products and as offers attached to existing leasing agreements, including renewals, third-party policies, and work based on the existing customer base.
Within its functional scope, the solution provided automatic document generation, document workflow support, and real-time status monitoring from offer to policy. It also supported customer needs analysis, allowing teams to better match the product, coverage variant, and premium level to the insured asset and risk profile. In areas requiring formal confirmation, a consent registry was available, including GDPR-related consents, together with secure storage of documents in line with legal requirements.
This made the policy lifecycle more transparent and easier to manage, while giving business users better visibility into the insurance lifecycle and improving internal decision making.
Administrative support and policy administration system for insurance sales
The system supports sales and settlement reports, controls, endorsements, individual premiums, third-party policies, and active policies, providing full oversight of operations in one place. It also serves as an administrative tool for managing policy numbers, activating and deactivating agreements, managing insurance providers, and monitoring premium cost, data quality, and document completeness.
In the administrative area, the system supports sending documents to insurers, managing discount pools, importing data including batch imports, and automatically issuing own policies. It also enables endorsement generation and supports tasks related to policy approval and offer verification.
Settlements include the generation of accounting documents, commission handling, financing of third-party policies and refunds, and settlements between insurers and Alior Leasing using accounting notes, together with the monitoring of commission revenue. The system also supports policy cancellations, premium refund settlements, and the generation of reports on calculated commissions, helping the organization optimize control and improve performance.
The project also included integration with a sales and decision-making system for financing and introduced automation into sales and decision-making processes involving insurance operations. Through integration with LEO/LEO FK, Alior Leasing achieved consistent operational support across finance, reporting, customer service, and insurance business development, while delivering information to sales teams in real time.
In practice, this allowed the organization to integrate seamlessly with financing processes and other systems, creating a stronger operational backbone for continued growth in the insurance industry.
Challenges - regulatory compliance
Understanding and implementing the system began with collecting data and information, as initially only agreements were available and the structure and logic of the solution had to be built on that basis. Integration with various web services was demanding because of differences in quotation methods, data exchange, product mapping, and the transfer of contractual terms into implementation, all while maintaining compliance with legal regulations and the requirements of GDPR, KNF, and IDD.
Another important challenge was the expansion of the system and the gradual transition from a monolithic architecture to microservices. The aim was to split the solution into specialized services supporting automation, flexible management, easier deployment of new releases, and more efficient adaptation to the changing needs of the market. This was not only a technological evolution, but also a response to growing expectations from customers and agents for faster service, stronger control, and real-time operations.
These are common challenges in large-scale enterprise transformation projects, especially where organizations rely on legacy systems, multiple insurer integrations, and growing volumes of operational data. The project required not only strong technical expertise, but also an ability to translate contractual logic into scalable insurance software.
Solutions delivering full control
As part of the project, technological and process-related improvements were introduced to enable scaling and increase performance. Particularly important were the modifications implemented in 2016, which improved automation, process monitoring, reporting, and integration with internet services. In subsequent years, the system reached a high level of operational efficiency, allowing the organization to issue 300 to 400 policies per day. This confirmed the effectiveness of the solution in supporting insurance operations across several lines of business.
The changes introduced helped improve the fit of the offer to customer needs, strengthened trust, and increased development potential across the sales network and cooperation channels with insurance agencies. The move toward microservices enabled faster rollout of further improvements and new releases, while also making it easier to maintain regulatory compliance and adapt to formal requirements.
From an architectural perspective, the solution evolved toward open architecture, helping teams modernize selected services without disrupting the whole environment. This was especially valuable in a setting where legacy systems, insurer interfaces, and internal core systems had to continue operating together. Such an approach creates long-term benefits for insurers and distribution partners by improving flexibility, supporting innovation, and enabling more scalable business operations.
Results
- The project delivered full integration between Alior Leasing and the internet services and systems of insurance providers, enabling sales teams and agents to generate offers and handle insurance sales in real time within leasing agreements.
- The web panel provided end-to-end support for quotation, policy issuance, settlements, endorsements, document workflow, and case status control in one system.
- The OFWCA module improved the registration and control of permissions for sales representatives and agents, including authorizations, training, and document validity, strengthening both security and compliance.
- Integration with the sales and decision-making system as well as with LEO/LEO FK made settlements, reporting, and financial operations more consistent.
- The system sends automatic notifications about offer status, upcoming deadlines, policy renewals, and employee tasks, which improves customer service and increases process control.
- The modernization of the architecture from monolith to microservices increased flexibility, accelerated change delivery, and improved responsiveness to the needs of the insurance market, while maintaining a high standard of support for customers.