Most insurers lose renewals on the same accounts twice. We run one agent per policyholder, scoring lapse risk, sending the right touch at the right time, and handing every complex case to a licensed human with full audit trail attached.
Measured outcome
+18%
Renewal rate
Across motor and household lines. No new brokers hired. Same CRM, same product, same regulators.
I.
Predict the lapse
Renewal, churn and cross-sell signals scored nightly from your policy book. Every policyholder gets a risk band before the broker opens their CRM.
II.
Outreach the cycle
Multilingual voice and WhatsApp agents work the T-90, T-60, T-30 and T-0 windows. Quotes recalculated, documents resent, payment links delivered.
III.
Hand to a human
Complex cases, complaints and DORA-relevant events route to a licensed advisor with the full transcript and audit trail attached.
The renewal cycle, automated
T-90
Risk scored, intent inferred
T-60
First friendly nudge, WhatsApp
T-30
Quote refreshed, voice call
T-0
Renewal closed, receipt sent
Built for regulated environments
Data residency in the EU. Full conversation audit trail. Human-in-the-loop on every consequential decision.