Our Goal is to Make the Insurance Process as Simple and Transparent as Possible While Delivering Great Value: Kyle Nakatsuji, CEO of Clearcover

Clearcover is a modern car insurance company offering affordable coverage with a focus on smarter and faster service. Using an API-first approach, the company simplifies policy management through an award-winning mobile app, provides quick claims processing, and ensures seamless payments. Clearcover uses advanced technology and a skilled Customer Advocate team to provide excellent insurance at competitive rates.

SME Business Review spoke with Kyle Nakatsuji, Founder & CEO of Clearcover, for an interview to discuss the company's innovative approach to car insurance, its use of technology to enhance customer experience, and his vision for the future of the industry. Here’s what he had to say.

Interview Excerpts

Clearcover has been described as a smarter and faster option for car insurance. Could you tell us what sets Clearcover apart from traditional insurance companies?

At Clearcover, we believe in making car insurance simpler, more affordable, and efficient for everyone. What sets us apart is our technology-first approach. We use an API-first model, which allows us to streamline processes, reduce costs, and deliver faster services. Unlike traditional insurers, we focus on giving our customers the tools they need to manage their policies easily. This results in quicker claims, lower premiums, and a more transparent experience overall.

You mentioned the API-first approach. How does this benefit the customer directly?

The API-first approach benefits our customers by making everything quicker and more efficient. We’ve eliminated many of the traditional overhead costs that come with managing insurance policies. With this technology, customers can access claims, make payments, and manage policies much faster than they would with traditional insurers. The result is lower costs for the customer, along with a smoother experience from start to finish.

Could you explain how Clearcover makes the claims process faster and more efficient for customers?

The key to speeding up our claims process is technology. When a customer files a claim, our system processes it faster and more accurately, cutting down on the delays usually caused by paperwork or manual procedures. We use data-driven solutions to assess claims in real-time, which means that instead of waiting for days or even weeks, customers often see their claims resolved much quicker. We understand how important it is to get back to normal after an accident, and we aim to make the process as seamless as possible.

Many customers appreciate the convenience of Clearcover’s mobile app. How does it make managing a policy easier for customers?

Our mobile app is a big part of how we make car insurance more accessible. It’s designed to be intuitive and easy to navigate, so customers can handle everything right from their phone. Whether they’re checking coverage details, filing a claim, or making a payment, everything is at their fingertips. It’s all about providing control to the customer, making policy management as easy as possible. We know how busy people are, and having an easy way to manage their insurance on the go is one of the features our customers appreciate most.

Clearcover also has a dedicated Customer Advocate team. How does this team enhance the overall customer experience?

Our Customer Advocate team is a core part of the Clearcover experience. While technology handles a lot of the processes behind the scenes, having a team of real people available to assist with anything the customer needs is essential. Whether it’s helping understand a policy, guiding a customer through the claims process, or resolving any concerns, our Customer Advocates are trained to provide personalized support. It’s about making sure our customers never feel lost or frustrated at any stage of their insurance journey.

Clearcover's transparency seems to be a key value. How does this affect your relationship with customers?

Transparency is crucial to us. Our goal is to make everything clear and easy to understand, from the policy details to the claims process. We believe that when customers fully understand their coverage and the steps involved, they feel more confident in their decision. We also provide clear explanations of premiums and the factors that influence them, so there are no surprises. Our transparent approach helps build trust with our customers, and we believe that’s essential for long-term relationships.

How does Clearcover ensure that its rates remain competitive while still providing high-quality service?

We keep our rates competitive by eliminating inefficiencies that are common in traditional insurance models. By using technology to automate processes and reduce operational costs, we’re able to pass those savings onto our customers. We also continuously assess our technology and processes to ensure we're offering the best possible value. Quality service is always a priority for us, and we believe technology should enhance that service, not take away from it.

What are your future plans for Clearcover? Do you plan to expand or introduce new features for customers?

Our future plans are all about continuing to evolve and meet the changing needs of our customers. We are constantly looking for ways to improve the customer experience, whether that means introducing new features in our mobile app, expanding our coverage options, or finding additional ways to reduce costs. We also want to keep pushing the boundaries of technology in the insurance space to make everything even faster and more efficient. We are committed to staying ahead of the curve and offering the best possible insurance experience for our customers.

Kyle Nakatsuji, Founder & CEO, Clearcover

Our mobile app is a big part of how we make car insurance more accessible. It’s designed to be intuitive and easy to navigate, so customers can handle everything right from their phone.