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Valid insurance claims are not paid quickly enough and potentially dubious claims lack a key area of input - the claimant's view - according to leading tele-claims providers.

SCOR and MorganAsh have said the tele-claims service improves the claims process for both claimants and insurers. At the start of the claims process an experienced nurse undertakes a high quality interview to triage the claim. This ensures that genuine claims are paid quickly, claimants are handled sympathetically and evidence is targeted appropriately.

The service can be easily customised to individual customer needs. The process reduces the need for cumbersome claims forms, and the arduous and inefficient process of sending letters back and forth to applicants, reducing costs. The tele-claims service is independent of the GP and it quickly removes the stress to the claimant of the whole process improving customer satisfaction and retention.

Andrew Gething, managing director of MorganAsh, said: "With Tele-interviewing at the application stage we have shown we can gain 70 per cent more information from our interview than a paper application form. We are taking these same skills to the claims process, and expect the same results."

Steve Maybury, head of underwriting, claims and marketing for SCOR Global Life UK, said the service would provide a better experience for consumers by paying valid claims quicker and more accurately identifying the claimants who could benefit from rehabilitation.