Where it got messy
When an incident happens, customers are often stressed and need immediate guidance. Traditional insurance journeys demand too many steps and expose unfamiliar language at exactly the wrong time.
Nobody wants to learn an insurance app while dealing with an accident. I designed and tested a calmer mobile journey that puts emergency help first and explains each next step in plain language.
Interface studyScroll to unpack the thinking ↓
The project focused on the most emotionally demanding moment in the insurance journey: reporting an incident. The goal was to reduce uncertainty, guide customers safely and make claim status understandable after submission.
When an incident happens, customers are often stressed and need immediate guidance. Traditional insurance journeys demand too many steps and expose unfamiliar language at exactly the wrong time.
The mobile-first flow prioritizes emergency actions, policy essentials and a guided claim experience. Strong hierarchy, accessible controls and reassuring feedback help users understand what to do next.
Testing helped cut the core claim journey from 11 steps to 7. More importantly, people could understand where they were, what the app needed and what would happen after they tapped submit.
I started by listening for the moments where the experience stopped making sense.
7 customer interviews, claims-call listening, journey mapping and an accessibility review against WCAG interaction patterns.
Customers feared making a mistake that could invalidate their claim. They needed reassurance, a sense of progress and the ability to pause without losing information.
Create a guided claim flow that collects only what is necessary at each moment and makes recovery explicit.
The flow first checks whether everyone is safe and surfaces emergency contacts before asking for policy or incident details.
Every step is preserved locally and synchronized when connectivity returns, reducing anxiety around interruptions.
Claim states explain what is happening, who is responsible and the expected next step rather than using internal insurance codes.
Two test rounds included 10 participants, with keyboard, screen-reader and low-vision checks. The flow was reduced from 11 to 7 steps after users struggled to understand which photos and documents were required.
In stressful journeys, clarity is a feature and reassurance is part of usability. My next step would be field testing in low-connectivity conditions and co-design sessions with people who use assistive technologies.