First Notification of Loss
First Notification of Loss (FNOL), handled the moment it matters most
The first call after a loss sets the tone for everything that follows. Our ancillary-only FNOL service captures the details accurately, represents your brand faithfully, and gets your customers moving forward, fast.
A first call that sets the tone
When a policyholder needs to report a loss, they want two things: to be heard, and to know what happens next. Our FNOL team delivers both, every time.
We specialise in ancillary claims, with trained staff available 24 hours a day, 7 days a week. We’re flexible in how we work. If a partner needs a process, script or system we don’t already have, we’ll develop it. The result is a first notification service built around your customers and your brand.
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24/7/365 cover
Genuine round-the-clock availability, not just office hours with an answerphone.
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Built for scale
Our systems and teams handle high call volumes without losing accuracy or consistency.
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Seamless integration
Notifications flow straight into your existing systems, with no manual re-keying.
How it works
From first call to first action, in minutes
Our FNOL process is designed to be simple for your customer and seamless for your business, whatever time the call comes in.
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Your customer reports a loss
Via phone or your preferred digital channel, in your brand.
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We capture the details accurately
Structured questions specific to the ancillary product, recorded correctly the first time.
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The claim is routed instantly
Straight into your systems or on to the right team for assessment.
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Your customer is kept informed
Clear next steps, communicated with care.
Why partners choose our FNOL service
Built around what matters most to your business
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Genuine 24/7/365 cover
Losses don't wait for office hours, so neither do we. Our in-house team is available around the clock, every day of the year, giving your customers a real person to talk to whenever they need to report a claim.
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Claims specialists
Our trained teams handle first notification for a range of products and services. That specialism, combined with systems built to handle high call volumes, means service stays accurate and consistent.
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Integrations that fit your systems
Our claims platform connects with your existing technology, so notifications flow straight into your workflow. Fewer manual steps, fewer errors, faster outcomes for your customers.
Frequently asked questions
First Notification of Loss FAQs
What is FNOL in insurance?
FNOL stands for First Notification of Loss, the initial report a policyholder makes when they need to claim. How that first contact is handled shapes the customer’s entire claims experience.
Do you handle FNOL for all insurance products, or just ancillary?
FNOL is available for ancillary claims and as part of TPA services. Coplus doesn’t provide full FNOL for accident management claims.
Can your FNOL service integrate with our existing claims systems?
Integration is agreed case by case, often by secure SFTP data transfer or working in your system through authorised user accounts.
Is FNOL available outside office hours?
Yes. Coplus provides 24/7 FNOL and claims handling from its in-house Norwich team.
Will your team represent our brand, or Coplus?
Your brand. The service can be fully white-labelled, and staff are trained to understand your brand and values.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days