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Choosing the right insurance software largely determines how future-oriented your organization can work. Both CCS and Novulo offer solutions for insurers, proxies and intermediaries who want to digitize their processes, but the approach differs fundamentally. Both solutions have their strengths and limitations, depending on your situation. In this article, you can read what these differences mean in concrete terms for your daily practice.
The Dutch insurance market is changing rapidly. New legislation, stricter compliance requirements and rising customer expectations require IT solutions that can move quickly. More and more organizations are wondering whether their current systems still leave room for innovation and growth. A comparison between CCS software and Novulo answers that question.
CCS has been an established name in the Dutch insurance market for decades. The company offers with the platform Level an integrated solution that is primarily known for stability and process standardization. Many proxies, service providers, and intermediaries use the system as a backbone for policy administration and claims processing.
The CCS platform Level supports processes such as:
The front office uses Bugs Business, a separate layer on top of the back office system. The integration with Level is generally good, but because it is a separate application, this sometimes requires extra attention in management and data flows.
The CCS Level platform is particularly suitable for organizations that value stability, predictability and fixed processes, for example established proxies with a large portfolio management.
However, those who want more control over innovation or want to develop faster are more likely to run into limits: adjustments always take place via CCS, which leaves less room to build or experiment themselves, and is usually associated with additional costs.
Novulo is a Dutch insurance platform that breaks with traditional software models. Instead of a single closed system, Novulo offers a composable platform: you assemble your insurance application yourself from proven components.
In doing so, you can choose full direction, or the platform as SaaS solution via partners use — set up ready-to-use with standard processes, but always expandable with your own components.
This way, you decide which functionality to use and what your processes look like, without being dependent on fixed screens or logic.
Think of reusable modules for acceptance, damage, prolongation or other core processes. Each module seamlessly integrates with the rest of your landscape, so you can keep innovating without technical limitations.
Novulo's platform is complete web-based and cloud-ready, designed for maximum flexibility and scalability. You work anywhere, in the office, at the customer or at home, without a heavy IT infrastructure.
The underlying architecture makes it possible to:
Novulo is used by insurers, proxies, service providers and intermediaries. From organizations that want to be completely unburdened through a partner implementation to parties that want to develop and manage new functionality themselves.
Parties such as Maia, Nh 1816 and Markel Netherlands their digital insurance processes are already running on the Novulo platform.
They use Novulo to:
Although Novulo offers a lot of flexibility and innovative strength, the platform also has a few points of interest. It is still relatively unknown in the market, which sometimes leads to reluctance among new customers. In addition, working with a composable platform requires a clear digital strategy and a willingness to review processes. However, organizations that want to take that step benefit from the agility that this model makes possible.
Novulo offers freedom of choice in how you use the platform. You can purchase it ready-to-use via one of our partners: as a fully managed SaaS solution where you benefit directly from proven processes and standard components. Ideal if you want to go live quickly without your own development capacity.
Or you can choose to build on Novulo's composable platform yourself. This gives you maximum control: you put together your own application, adjust processes via configuration and develop new components together with the ecosystem.
Whichever route you choose, you always work within the same platform: cloud-ready, secure and continuously evolving.
Now that you have an idea of how CCS and Novulo work, it's time to look at the biggest differences. We list the 5 most important ones below.
CCS works with a traditional, modular system that is not cloud-native. The system has proven to be reliable and does exactly what it needs to do for standard processes such as policy administration and claims processing, with no surprises.
Novulo on the other hand, was built for a new generation of insurance software: composable, web-based and directly integrable. Thanks to the flexible architecture, you can start small (with one process, product, or label) and then expand quickly without rebuilding or migrating.
You'll notice the difference immediately: where CCS implementations or changes take months, Novulo can be rolled out step by process or department.
Bee CCS Customization almost always means extra costs and time. However, if your organization mainly uses standard processes and requires few changes, this is usually not a problem.
With Novulo configure your processes yourself, without developers. Think of adjusting an acceptance flow or adding a new distribution partner, entirely via configuration instead of code.
CCS offers fixed data structures that are stable and reliable, so you can be confident that data is processed consistently and correctly. However, the platform is limited in terms of flexibility.
Novulo offers an open data model that connects easily with other systems, such as CRM or accounting software. This gives you one central place for all your customer and policy data, so that information is immediately available for acceptance, claims processing and reporting, without employees having to search multiple systems all the time.
The platform of CCS works functionally and reliably, but often feels outdated. Employees sometimes have to click through multiple screens to find information in Level and the overview of the entire process is limited. This can make working slower and more cumbersome, especially with complex cases.
Novulo has a modern and clear user interface that is built around proven workflows. For proxies, intermediaries and insurers, the most commonly used processes are immediately available, allowing employees to get started quickly and require less explanation.
CCS follows a classic release process: updates come from the supplier and often require extensive implementation projects. This works reliably for standard processes, but it also means that new features or adjustments take time to become available, making it less likely to respond to market changes or customer needs.
Where traditional systems stand still, develops Novulo continuously. However, the roadmap is not in the hands of one party, but in that of the entire ecosystem. Customers, users and partners develop new functionality together and add new components daily. These are automatically available to all users. So you can experiment, accelerate, and scale up while your platform always moves with you.
Now that you've seen the key differences between CCS and Novulo, it's clear that both platforms have their own strengths. Depending on what your organization needs, stability and predictability, or flexibility and speed, one platform is a better fit than the other.
A large proxy office that has been running on the same portfolio for years and has few new labels can continue to work well with CCS.
For example, an insurer who wants to launch a new mobility product can set up a working flow at Novulo within weeks, fully integrated with existing processes.
The comparison leaves little doubt: CCS offers stability but little room to innovate. On the contrary, Novulo combines reliability with agility, although working with this platform requires a modern mindset and a willingness to change. And that is exactly what the market is asking for today.
Products, distribution and customer expectations are constantly changing. A flexible platform is therefore not a luxury but a prerequisite.
With Novulo's insurance platform, you can set the pace of innovation yourself, without being dependent on consultants or complex and time-consuming customization.
Whether you are a proxy, insurer or intermediary: with Novulo, you can control your processes, technology and your future. Schedule a meeting with our experts and discover how the software works in practice.
Below, we list the most frequently asked questions and their answers. Is your question not listed? Get in touch. We are happy to answer it.
With Level, CCS offers a traditional software package, while Novulo offers a composable insurance platform. At Novulo, you can assemble and modify applications and processes yourself, without the help of consultants or complex and time-consuming customization.
Yes. More and more insurers and proxies are switching to Novulo, precisely because it is more flexible and future-proof.
When you notice that your current system is slowing down innovation or adjustments are taking too much time. Novulo makes a phased switch possible, process by process.
Look beyond just the current functionalities. Ask yourself: does my software still match our ambitions in three years? For most modern organizations, Novulo is the answer, because the platform is future-proof.
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