The UK's leading claims innovator
Self Serve Solutions
The next evolution of claims validation.
For over a decade, SBS has been trusted by insurers to validate, fulfil, and resolve claims with speed, accuracy, and confidence. That same proven platform has now evolved into Lucent — our next-generation validation and product intelligence engine.
Lucent brings together everything we’ve learned from millions of validated claims, rebuilt on modern technology for today’s insurance operations.Same expertise. Same reliability. Smarter performance.
Europe wide
System ready
Like-for-like
What is Lucent
What is Lucent
Lucent is SBS’s advanced validation platform, designed to remove friction, reduce cost, and accelerate settlements.
It validates claims in real time, matching items to true like-for-like replacements, checking availability across Europe, and enabling instant fulfilment or repair — all from one intelligent system.
Lucent can be deployed as a standalone validation platform or directly integrated into your existing claims environment, including Guidewire
Lucent is SBS’s advanced validation platform, designed to remove friction, reduce cost, and accelerate settlements.
It validates claims in real time, matching items to true like-for-like replacements, checking availability across Europe, and enabling instant fulfilment or repair — all from one intelligent system.
Lucent can be deployed as a standalone validation platform or directly integrated into your existing claims environment, including Guidewire
Built on experience. Powered by technology.
Built on experience. Powered by technology.
Lucent is not new — it is the evolution of a platform refined over 10+ years in live claims environments.
Rebuilt using modern architecture and intelligent automation, Lucent delivers faster decisions, stronger governance, and seamless integration — without losing the deep product knowledge that made SBS trusted in the first place.
This is proven validation, re-engineered for scale.
Lucent is not new — it is the evolution of a platform refined over 10+ years in live claims environments.
Rebuilt using modern architecture and intelligent automation, Lucent delivers faster decisions, stronger governance, and seamless integration — without losing the deep product knowledge that made SBS trusted in the first place.
This is proven validation, re-engineered for scale.
Our Services
Key Capabilities
One platform.
Every market
One platform.
Every market
Lucent is built to scale across territories, commodities, and claims volumes — enabling insurers to deliver consistent, high-quality outcomes wherever they operate.
Lucent is built to scale across territories, commodities, and claims volumes — enabling insurers to deliver consistent, high-quality outcomes wherever they operate.
FAQ
Common questions
How long will it take to settle my claim?
Usually it takes between 3-5 days to settle your claim though this can depend on the severity. SBS will reach out to you within 2 hours of receiving the claim from your insurer.
Can I manage my claim online?
How can I register feedback about my claim?
I haven’t received my Voucher what should I do?
When will the collection or inspection of my item take place?
How can I provide evidence of loss or ownership.
Can I return my replacement items?
FAQ
Common questions
How long will it take to settle my claim?
Usually it takes between 3-5 days to settle your claim though this can depend on the severity. SBS will reach out to you within 2 hours of receiving the claim from your insurer.