A stronger experience.
An honest delivery map.
80 capabilities across acquisition, servicing, corporate accounts and broker operations. This is a reviewable digital experience with working front-end interactions, not an operational insurance platform.
9Working
36Not built
16Partial
10Demonstrated
9Advanced backlog
“Working” means a browser capability works. “Demonstrated” means synthetic records or local drafts. “Partial” means only part of the capability exists. None establishes live insurer connectivity, account security or regulatory readiness.
What changed in this iteration
- Grouped personal and business navigation, explicit search, stronger My Wayyak entry and guided Get covered action.
- A prominent two-step journey: choose a goal, then choose a product. New cover, renewal, claims and policy changes follow separate routes.
- Ten My Wayyak sections: overview, policies, quotes, renewals, claims, requests, documents, messages, corporate and preferences.
- Seven new Higgsfield visuals. Homepage photography has no repeated image source, including product cards and the business feature.
- Document search and preview, local message drafts, entity switching, sample notifications and same-session enquiry resume.
Design references & agency review
Mobbin: Origin dashboard informed persistent section navigation, portfolio summaries and a separate next-action area. Mobbin: Alan web journeys informed progressive intake. Both were visually reviewed; their assets were not copied.
Nielsen Norman Group navigation guidance supports concise labels and grouped options. Awwwards agency navigation reference was reviewed as gallery metadata, not a full agency-site audit. WCAG 2.2 supplies acceptance criteria; this build is not certified compliant.
| Design gate | Current result | Remaining acceptance work |
|---|---|---|
| Brand fidelity | Original bilingual SVG logo and mark; consistent white, navy and Wayyak blue. | Brand-owner sign-off and licensed font decision. |
| Hierarchy & navigation | Grouped product choices, dedicated account entry, visible next steps, distinct portal navigation. | Moderated usability testing with retail and corporate users. |
| Imagery | Distinct editorial images per homepage placement; descriptive alt text and provenance recorded. | Brand review of illustrative people and settings. |
| Responsive interaction | Desktop navigation and mobile menu / workspace selector implemented. | Device and assistive-technology acceptance matrix. |
| Accessibility | Visible keyboard focus, labelled inputs, reduced motion, dialog controls and semantic headings. | Full contrast, keyboard, screen-reader and WCAG 2.2 AA audit. |
| Operational honesty | Synthetic records and unsent local drafts labelled at the point of use. | Verified identity, authorization, processing and insurer status. |
Regional & global benchmark return
15 reference organizations from the original benchmark. Evidence levels below distinguish visual inspection from official declared capabilities. Authenticated customer and staff systems were not audited.
| Reference | Evidence & implication for Wayyak |
|---|---|
| ShoryUAE digital broker | Visually inspected. Immediate product choice, personal/business switch, repeated quote actions, simple illustrations and visible trust area. Adopt task clarity; keep Wayyak’s own identity. |
| InsuranceMarket.aeUAE retail broker | Official capabilities reviewed in initial audit: advisor support and myAlfred servicing. Use continuity between acquisition and after-sales. |
| Policybazaar UAEUAE comparison | Official motor journey guidance and comparison attributes. Prioritize meaningful cover differences over a cheapest-price claim. |
| yallacompareUAE comparison broker | Official comparison/purchase description. Keep product choice and broker identity clear. |
| GargashLocal UAE broker | Visually inspected. Product navigation, quote intake, explicit claims/renewal routes, Arabic and educational content. Avoid the observed competing overlays and lengthy first-screen form. |
| Al Sayegh / ASIBLocal UAE broker | Visually inspected. Personal/business product grid and consultation entry. Use broader commercial discovery with clearer, more accessible card actions. |
| NexusLocal / GCC broker | Official client app page describes portfolio access, policy management and direct communication. The client login is surfaced publicly; authenticated functions were not tested. |
| NascoLocal / regional broker | Developer listing describes policy access, quotations, purchases and contact. Treat these as declared capabilities; app not tested. |
| Howden UAESpecialist broker | Official UAE site uses sector-led specialist discovery and separate offices. Good model for business entry. |
| BayzatRegional adjacent platform | Official benefits and employee workflows. Integrate corporate servicing rather than rebuilding an entire HR suite. |
| MarshGlobal broker | Specific program describes policy snapshots and certificate generation; claims portal documented separately. Market and product restrictions apply. |
| LocktonGlobal broker | Official UK portal description covers team contacts, documents and resources. NZ Asset Portal adds property portfolio management. |
| AonGlobal broker | Official cyber analyzer describes exposures and scenario loss forecasting. Requires specialist methods and data, not a cosmetic dashboard. |
| GallagherGlobal broker | Official tools page describes certificate servicing and benefits reporting. Inspiration for administrative self-service with clear authority. |
| WTWGlobal broker | Official published material describes Risk Intelligence Central. Public production page access was blocked; logged-in UX unverified. Use as a strategic reference, not a current UI benchmark. |
Achieved in the review build: clear retail/business discovery, broad product range, guided enquiry, human contact, comparison demonstration and a connected servicing concept. Still missing: sector landing pages, Arabic parity, verified accounts, insurer quotes, purchase/issuance, live claim tracking, secure documents, corporate approval roles and a functioning broker operations platform.
Complete capability ledger
Search and filter the scope. This captures a broad digital insurance experience, not every hypothetical feature.
Discovery & design
Production dependency: Content and design system
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 01 | Task-led homepage | Working | Browser interaction implemented; no regulated transaction implied. |
| 02 | Personal / business discovery | Working | Browser interaction implemented; no regulated transaction implied. |
| 03 | Distinct product guides | Working | Browser interaction implemented; no regulated transaction implied. |
| 04 | Industry landing pages | Not built | Requires content and design system. |
| 05 | Site search and keyboard shortcut | Working | Browser interaction implemented; no regulated transaction implied. |
| 06 | Arabic / English parity and RTL | Not built | Requires content and design system. |
| 07 | Accessible design system and document templates | Partial | Visible focus, labelled forms and responsive components. Formal accessibility and document-template validation remain. |
| 08 | Responsive design and reduced motion | Working | Browser interaction implemented; no regulated transaction implied. |
Quote acquisition
Production dependency: CRM, insurer appetite and product schemas
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 09 | Guided quote brief | Working | Browser interaction implemented; no regulated transaction implied. |
| 10 | Downloadable enquiry summary | Working | Summary download control implemented; browser download completion needs separate acceptance validation. |
| 11 | Save and resume across devices | Partial | Resume works in the same browser session. Cross-device identity and persistence are absent. |
| 12 | Secure document upload and extraction | Not built | Requires crm, insurer appetite and product schemas. |
| 13 | Motor vehicle lookup where authorized | Not built | Requires crm, insurer appetite and product schemas. |
| 14 | Insurer-connected quote retrieval | Not built | Requires crm, insurer appetite and product schemas. |
| 15 | Eligibility validation with human review | Not built | Requires crm, insurer appetite and product schemas. |
| 16 | Live advisor / callback scheduling | Not built | Requires crm, insurer appetite and product schemas. |
Comparison & purchase
Production dependency: Insurer quote data, approved payment and issuance flow
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 17 | Side-by-side comparison | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 18 | Coverage filters and sorting | Not built | Requires insurer quote data, approved payment and issuance flow. |
| 19 | Explain limits, excesses and exclusions | Partial | Front-end starting point only; requires insurer quote data, approved payment and issuance flow. |
| 20 | Quote versioning and validity | Not built | Requires insurer quote data, approved payment and issuance flow. |
| 21 | Broker rationale and recommendation record | Not built | Requires insurer quote data, approved payment and issuance flow. |
| 22 | Optional benefits and total price disclosure | Not built | Requires insurer quote data, approved payment and issuance flow. |
| 23 | Payment, receipt and insurer issuance | Not built | Requires insurer quote data, approved payment and issuance flow. |
| 24 | Consent and acceptance audit trail | Not built | Requires insurer quote data, approved payment and issuance flow. |
Customer servicing
Production dependency: Identity, broker management system and document store
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 25 | Policy dashboard | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 26 | Document retrieval | Demonstrated | Search, preview and download sample text summaries; no live insurer documents. |
| 27 | Endorsement and policy change requests | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 28 | Renewal timeline and reminders | Partial | Renewal steps and local reminder preferences demonstrated. Automated reminders and insurer terms are absent. |
| 29 | Verified claim status and next action | Partial | Synthetic claim timeline only. Verified claim status is absent. |
| 30 | Secure messages and named account contact | Partial | Local message drafting works. Secure delivery and a named account relationship are absent. |
| 31 | Contact and notification preferences | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 32 | Family / household policy portfolio | Partial | Front-end starting point only; requires identity, broker management system and document store. |
Claims & complaints
Production dependency: Insurer processes, ticket system and service ownership
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 33 | Product-specific claim entry | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 34 | First notification of loss workflow | Not built | Requires insurer processes, ticket system and service ownership. |
| 35 | Document checklist and secure upload | Partial | General checklist only. Product-specific requirements and secure upload are absent. |
| 36 | Broker / insurer responsibility timeline | Partial | Front-end starting point only; requires insurer processes, ticket system and service ownership. |
| 37 | Missing document reminders | Not built | Requires insurer processes, ticket system and service ownership. |
| 38 | Assistance and emergency contact directory | Not built | Requires insurer processes, ticket system and service ownership. |
| 39 | Complaint tracking and escalation | Not built | Requires insurer processes, ticket system and service ownership. |
| 40 | Resolution feedback and root-cause reports | Not built | Requires insurer processes, ticket system and service ownership. |
Corporate accounts
Production dependency: Authorized corporate roles and asset / employee data
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 41 | Multi-entity policy portfolio | Partial | Entity switching and synthetic counts work; no live multi-entity records. |
| 42 | Employee census and member changes | Partial | Member-change request draft only; no census validation or processing. |
| 43 | Fleet additions, removals and schedules | Partial | Fleet-change request draft only; no vehicle schedule or endorsement. |
| 44 | Property locations and declared values | Partial | Asset-schedule request draft only; no declared-value records. |
| 45 | Certificates and evidence-of-cover requests | Demonstrated | Certificate request draft; no certificate issuance. |
| 46 | Role-based HR / finance / risk approvals | Not built | Requires authorized corporate roles and asset / employee data. |
| 47 | Tender, submission and renewal workspace | Partial | Corporate renewal request draft; no tender data room or insurer placement. |
| 48 | Benefits usage and loss dashboards | Advanced backlog | Research, data readiness and operational justification required. |
Broker operations
Production dependency: CRM, staff roles, SLA policy and insurer channels
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 49 | Service queue and product filtering | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 50 | Submission completeness view | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 51 | Lead assignment and duplicate detection | Not built | Requires crm, staff roles, sla policy and insurer channels. |
| 52 | Renewal calendar and ownership | Not built | Requires crm, staff roles, sla policy and insurer channels. |
| 53 | Insurer response and placement tracking | Not built | Requires crm, staff roles, sla policy and insurer channels. |
| 54 | Quote normalization workbench | Demonstrated | Synthetic data / local session interaction only; no live processing. |
| 55 | Advice / approval / document audit trail | Not built | Requires crm, staff roles, sla policy and insurer channels. |
| 56 | Commission, receivable and reconciliation views | Not built | Requires crm, staff roles, sla policy and insurer channels. |
Communication & retention
Production dependency: Approved channels, consent and CRM events
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 57 | Phone and email contact actions | Working | Browser interaction implemented; no regulated transaction implied. |
| 58 | Omnichannel conversation history | Not built | Requires approved channels, consent and crm events. |
| 59 | WhatsApp Business servicing | Not built | Requires approved channels, consent and crm events. |
| 60 | Email / SMS event notifications | Not built | Requires approved channels, consent and crm events. |
| 61 | Appointment booking and reminders | Not built | Requires approved channels, consent and crm events. |
| 62 | Coverage review and relevant cross-sell | Not built | Requires approved channels, consent and crm events. |
| 63 | Review requests and feedback follow-up | Not built | Requires approved channels, consent and crm events. |
| 64 | Referral / rewards program where justified | Advanced backlog | Research, data readiness and operational justification required. |
Intelligence & differentiation
Production dependency: Approved knowledge, evidence, expert review and model evaluation
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 65 | General insurance knowledge guide | Working | Browser interaction implemented; no regulated transaction implied. |
| 66 | Source-linked policy summaries | Advanced backlog | Research, data readiness and operational justification required. |
| 67 | Document extraction with confidence and correction | Advanced backlog | Research, data readiness and operational justification required. |
| 68 | Coverage-gap prompts for broker review | Advanced backlog | Research, data readiness and operational justification required. |
| 69 | Risk assessment by sector | Advanced backlog | Research, data readiness and operational justification required. |
| 70 | Portfolio and loss analytics | Advanced backlog | Research, data readiness and operational justification required. |
| 71 | Scenario modeling and cost-of-risk analysis | Advanced backlog | Research, data readiness and operational justification required. |
| 72 | AI-assisted staff drafts with human review | Advanced backlog | Research, data readiness and operational justification required. |
Platform & governance
Production dependency: Operational owner, identity, security and data policies
| # | Capability | Current delivery | Evidence / remaining work |
|---|---|---|---|
| 73 | SSO / MFA and corporate access roles | Not built | Requires operational owner, identity, security and data policies. |
| 74 | Consent ledger and data-subject workflows | Not built | Requires operational owner, identity, security and data policies. |
| 75 | CMS, review dates and bilingual publishing | Not built | Requires operational owner, identity, security and data policies. |
| 76 | Integration APIs, webhooks and retry queues | Not built | Requires operational owner, identity, security and data policies. |
| 77 | Monitoring, delivery alerts and audit logs | Not built | Requires operational owner, identity, security and data policies. |
| 78 | Backup, restoration and disaster recovery | Not built | Requires operational owner, identity, security and data policies. |
| 79 | SEO, redirects, structured data and analytics | Partial | Basic title and metadata exist. Hash routes need a production SEO/content strategy. |
| 80 | Performance budgets and accessibility regression checks | Partial | Responsive QA and reduced motion are present. No automated performance budget or full accessibility audit. |
Production sequence
1. Identity, consent, secure document storage and broker CRM integration.
2. Approved product schemas, insurer quote APIs, comparison validity and advisor routing.
3. Authorized payment / issuance, live policy servicing, claim updates and automated communications.
4. Corporate schedules, staff roles, approval trails, placement and financial reconciliation.
5. Bilingual content, operational monitoring, accessibility acceptance and measured performance.
6. Evidence-linked intelligence after reliable data and human review are in place.
Implementation needs the selected broker-management system, insurer/API access, authorized product content and an operational owner. Those connections are not currently available in this build.