Those looking for new insurance software will quickly end up with two established names: ANVA and CCS. For decades, their systems have been used by insurers, service providers, agents and intermediaries. Proven, reliable and with a long track record.

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But which system really suits an organization that wants to accelerate and prepare for tomorrow's requirements?

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In this article, we honestly compare ANVA and CCS and show why more and more organizations in the insurance industry are opting for a modern alternative.

How did we make the comparison between ANVA and CCS?

For this article, we examined six key components of insurance software that determine quality: flexibility, data and process management, user experience, hosting & technology, pricing model and future-proofing.

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Our findings are based on public documentation, customer cases and insights from consultants who work with these systems on a daily basis.

ANVA and CCS: two familiar names, but how forward-looking are they?

Both CCS and ANVA support the core processes of an insurance company: from product management to claims handling. Both systems have a solid reputation and a proven track record. But it is precisely this established position that often makes further development slow and difficult.

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They're built for stability, not maneuverability. Whether you switch from ANVA to CCS or vice versa, you remain in a landscape of limited flexibility, slow innovation and complex migrations.

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That's why we compare them below on six aspects that determine how future-proof your software as an insurer really is.

1. Flexibility within ANVA and CCS

The degree of flexibility determines how much control you have over your processes and how quickly you can respond to changes in the market. Both ANVA and CCS offer options, but they come with significant limitations.

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CANVA

• Lots of freedom to set up products, screens and labels yourself.
• Unlimited product definitions possible, but:
  
  • Each design is customized, making standardizing or migrating complex and expensive.
  • Full process support requires external tools, such as AWI (online closure) or PlanetPress (documents).

CCS

• Changes to the software are often only possible via consultants.
• Modifications take a long time and are costly.
• The software is not customizable: you can't even change anything, just add extra functionality via APIs or custom modules.

2. Data and process management: this is how ANVA and CCS arrange it

A solid data structure and clear process logic are essential for control, scalability and collaboration. However, the way in which ANVA and CCS approach this is very different. Both systems have limitations, but they are different.

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CANVA

• Data and logic are distributed across different parts of the system.
• There is no single source of truth.
• Due to customization and complex settings, processes are highly dependent on specific employees.

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CCS

CCS offers a tighter and more standardized data structure, but:

• Flexibility is limited: you can only choose from 5 product definitions.
• Only standard links are available, which means that customization options are virtually absent.
• The API integrations are limited and usually only offer standard options, not customization.

3. Practical user experience at ANVA and CCS

ANVA and CCS both offer a platform that looks organized and clear. But a good user experience goes beyond just a nice design. It's about speed, overview and logical flow. Both ANVA and CCS make different mistakes in these areas.

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CANVA

• No standard flows or screen layouts, so each layout is different.
• This makes consistency and scalability difficult.

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CCS

• Inefficient user experience: lots of clicks, little logic.
• Outdated screen structure.
• The front office (Bugs Business) is a separate system on top of the core package.
• Workflows are task-driven and barely customizable.

4. Hosting and technology: what to expect at ANVA and CCS

Both systems were developed at a time before the cloud. This is evident in the underlying infrastructure, costs and lack of agility.

5. That's how transparent the pricing model at ANVA and CCS is

Both systems have a different pricing model, but neither is cheap or flexible. Here's the difference:

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CANVA

• Price per policy
• Costs are rising, so growth means higher costs
• Simple model, but little economies of scale

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CCS

• Works with a module structure
• Little transparency about the price structure
• Often seen as the more expensive package

6. How future-proof are ANVA and CCS?

Both software packages have a long history, but it's not clear where they're headed. Both systems experience uncertainties about future innovations and updates, raising questions about their long-term value.

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CANVA

• The launch of the latest version, ANVA 6, has been a long time coming and has been rolled out with a delay.
• The older versions (ANVA 4/5) are still supported but have received few new updates or innovations. These versions are being maintained with difficulty, and the future of these versions is uncertain.
• There is little insight into structural innovations, and progress in software development is slow.

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CCS

• There is a successor to the current system, called Level, but there is uncertainty about the development and launch of this new version.
• The roadmap for the future is uncertain, making it difficult to predict which innovations will follow in the short term.
• The departure of several major customers raises questions about the direction of the platform and the future of the software.

Conclusion: Which insurance software is best?

ANVA was founded in 1975 and is known as a flexible insurance package where you can organize a lot yourself and get freedom. Products, screens, labels — you can customize it all the way you want. That was attractive for a long time, but that freedom comes at a price. Because when everyone creates their own interior, a clear standard is missing and there is a lack of consistency. This leads to the proliferation of data.

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Where ANVA struggles with freedom without structure, CCS positions itself as a standardized system. You work with fixed fields, fixed screens and limited customization. This ensures stability, but at a considerable price.

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Whether you choose ANVA or CCS, you opt for proven stability, but also limited agility. Both systems are designed to support existing processes, not to change them.

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The conclusion is clear: both systems have limitations. That is why more and more organizations are opting for a different route. An insurance platform that is flexible, scalable and forward-looking: Novulo.

Novulo: the insurance platform for insurers and proxies who want to control themselves

With Novulo, you choose a composable insurance platform that adapts to your organization, not the other way around. You decide what products and processes look like, without customization or dependencies.

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Where traditional software providers are stuck in rigid or fragmented solutions, Novulo offers a fundamentally different approach. No choice between too much freedom or too much restriction, but a platform that gives you full control.

With Novulo's insurance platform, you benefit from:

• The ability to build your own insurance application with thousands of proven components
• A fully integrated platform for product management, policy administration, prolongation, claims, chain communication, reporting and CRM
• Configuring without customization: put your processes together yourself, without depending on customization or developers
• An open and consistent data model, with a clear architecture and no black boxes
• Further development from the ecosystem: new components every day via a network of customers and partners, with more than 200 people who actively work together.
• Best-practice approach available for proxies, insurers, provincial offices, and more. Ready to use immediately, based on a proven approach and data model.

Here's what David Wesdijk, founder of Maia, says about Novulo's insurance platform:

Start using Novulo insurance software today

With Novulo, you not only get a modern solution for your insurance processes, but also control over how your technology adapts to your needs. Novulo was built for today's and tomorrow's demand. Organizations such as Maia, NH1817 and Markel have already preceded you.

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Also ready for insurance software that does move with your organization? Schedule a meeting with one of our experts. Learn how Novulo works so that you are no longer dependent on software vendors for updates, changes, and support.