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Integrations

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Bringing Howden’s AI-powered Tilt insurance app to life.

For Tilt, a new digital-first insurance proposition backed by Howden, the ambition was clear: create an experience that matched the expectations of modern customers, while operating safely within a regulated insurance environment.Tilt was conceived as more than a transactional insurance product. It needed to give customers confidence, clarity, and control, while also reducing the operational friction that has traditionally characterised insurance. We partnered with Tilt to bring this vision to life, building a cross-platform mobile app that enables customers to manage their insurance digitally, supported by targeted automation and deep enterprise-grade integration.

Overview

Policies, endorsements, claims, and documentation are often fragmented across systems, with many customer journeys still dependent on phone calls, emails, and manual processing. For Tilt, the challenge was not simply to <a href="https://sidigital.co/services/develop/mobile-apps">build an app</a>, but to establish a digital foundation that could support a new way of operating. The experience needed to feel effortless for customers, while meeting the demands of regulation, data integrity, and internal governance. Automation had to be introduced carefully, ensuring that AI-supported journeys enhanced trust rather than undermining it, and that human expertise remained available when it mattered most.At the same time, the platform had to be capable of evolving. Tilt was designed to grow, with new products, features, and customer journeys planned over time. The technology underpinning the app needed to support that ambition from day one.

The challenge

Our focus was on creating a platform that balanced simplicity at the front end with robustness behind the scenes.

We built a cross-platform mobile application that gives customers visibility and control over their insurance, while <a href="https://sidigital.co/services/integrate">integrating seamlessly</a> with Tilt’s core systems and enterprise back end.The app was built within Microsoft’s enterprise ecosystem, combining secure authentication, AI-assisted customer support, and real-time data synchronisation. This approach ensured the experience remained fast and intuitive for users, while maintaining accuracy, oversight, and compliance across the insurance lifecycle.

The approach

In insurance, customer support is central to trust.

Rather than positioning AI as a replacement for human expertise, it was designed as a practical layer that helps customers get answers quickly while ensuring appropriate oversight remains in place.The Tilt app provides customers with always-on assistance that can respond to common queries and surface relevant information using policy and customer context. Where conversations require judgement, reassurance, or deeper investigation, they are seamlessly routed into Tilt’s Microsoft Dynamics environment, allowing support teams to step in with full visibility of the customer’s history.This blended approach shortens resolution times for routine interactions, reduces unnecessary handoffs, and ensures that more complex or sensitive cases receive the attention they deserve.

AI-enabled customer support

Tilt was built around the principle that customers should be able to manage their insurance on their own terms.

The app is designed to enable users to view and manage policies, start a claim, and access documents at any time, without relying on phone calls or manual follow-ups. Additional servicing capabilities will be introduced over time, further reducing the need for offline interaction.Commercial insurance often involves more than one person within a business, so flexibility was a key consideration. The app includes permission controls that allow policyholders to invite colleagues with clearly defined levels of access, supporting collaboration while maintaining overall control.By automating routine processes such as renewals and payment handling, Tilt removes much of the administrative burden traditionally associated with business insurance, freeing customers to focus on running their businesses rather than managing paperwork.

Self-service by design

Seamless integration was essential to the success of Tilt.

The <a href="https://sidigital.co/services/integrate">app connects</a> directly to Tilt’s enterprise platforms, including Microsoft Entra for authentication, Microsoft OpenAI for intelligent support, and Dynamics CRM as the system of record.Insurance data is complex, and inconsistencies can quickly erode trust. To address this, we implemented real-time data transformation and synchronisation logic, ensuring that policy updates and customer changes are reflected accurately across all systems. This eliminates manual rekeying and reduces the risk of discrepancies, providing a consistent experience for customers and internal teams alike.

Enterprise integration and data integrity

Tilt was designed with long-term evolution in mind.

The modular architecture allows new functionality, products, and journeys to be introduced without disrupting the core platform. The notification infrastructure supports future customer communications, from service updates to promotional messaging, while maintaining compliance and control. This foundation gives Tilt the flexibility to adapt and expand the proposition as customer needs and market conditions change.<h3>Impact</h3>The app has enabled Tilt to launch a genuinely digital insurance experience. It provides customers with greater autonomy and transparency while reducing reliance on manual servicing. It establishes a scalable platform that supports both operational efficiency today and continued innovation in the future.

Built for growth

Tilt is a digital-first business insurance platform, built to give customers greater control, clarity, and confidence when managing their insurance. Backed by Howden, Tilt combines the speed and simplicity of a digital product with the strength and credibility of an established insurance group. Founded in 1994, Howden is an independent, employee-owned insurance brokerage with a global footprint and a strong client-first ethos.

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Bringing Howden’s AI-powered Tilt insurance app to life.

Tilt combines AI-assisted support and self-service to deliver digital-first insurance, built for trust, scale, and regulation.

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Connected car app development for BMW &amp; MINI

CalAmp builds the telematics infrastructure that connects vehicles to the businesses and people who depend on them. We worked with CalAmp as their <a href="https://sidigital.co/services/develop/mobile-apps">front-end partner, designing and building</a> the connected car app that brings that infrastructure to life for BMW &amp; MINI drivers.We owned the entire front end, from UX design through to a full React Native build for iOS and Android. The app <a href="https://sidigital.co/services/integrate">directly integrates</a> with CalAmp’s own API, allowing us to surface real-time vehicle monitoring data including location, diagnostics, door status and battery health, all in a way that feels intuitive and on-brand for one of the world’s most design-conscious manufacturers.

Delivering live data direct from the vehicle

The automotive app connects directly with the vehicle, which let us surface real-time data as the user wanted it. From location, door status, battery health, engine diagnostics, the app acts as a hub for everything relating to an individual vehicle.Bringing that data to life in a clear and understandable way was a <a href="https://sidigital.co/services/design/digital-design">UX challenge</a> in itself. Raw telematic data is complex and messy. So displaying this data in a user friendly way required considered design thinking from the start. Whether it’s simply battery charging status, or something more technical like an engine fault, the app displays the information to the user in a way that’s manageable and digestible for them, not a complete data overload.

Telemetry UX

Data and customisation right in your pocket

Using CalAmp’s API, the app can be customised to the users needs. Curfews and speed alerts can be set directly in the app, while custom locations can be set for tripwires. If a vehicle leaves a tripwire area, the user is sent a notification.The monitoring doesn’t stop there. Users are also able to report vehicles as stolen, as well as set reminders for general vehicle maintenance like oil changes and services.

Monitoring and tracking

The app brings vehicle data directly to the user

For app users and car owners, the ability to check on the status of your vehicle is a core part of the app. The app surfaces real-time states of the vehicles physical components, <a href="https://sidigital.co/services/integrate">all pulled via the BMW OEM API</a>. From individual door open/closed status, to lights on/off, to hood open/closed, the app gives users a clear overview of the vehicle in its current state.To do this, we needed the OEM API to expose live component-level states and the app to render them reliably. Getting that right required tight integration work, but that&#39;s what we&#39;re here for.

Vehicle dashboard

BMW is one of the most brand-controlled businesses in the automotive industry

Every screen, every icon, every notification had to earn its place within their guidelines. And those guidelines are extensive.We worked with CalAmp and BMW through multiple rounds of design iteration to land a tight, on-brand UI. Typography, colour, icon styles, map markers, card rounding, button states. Every element was reviewed and tested against BMW’s standards and adapted until it passed. The result is an app that a BMW or MINI driver picks up and immediately recognises as theirs. It feels like the brand, not just a connected vehicle app wearing a badge.

Meeting brand standards

CalAmp is a US-based telematics and connected vehicle platform provider. They partnered with us to design and develop a consumer-facing app that would bring BMW &amp; MINI owners control and visibility over their connected vehicles.

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Work

Tilt

Bringing Howden’s AI-powered Tilt insurance app to life.

BMW

React Native vehicle monitoring app for BMW & MINI.