Automate Insurance Policy Renewals & Lead Outreach
Stop losing renewals to missed deadlines. Let AI callers remind policyholders 30 days prior to expiration, answer basic coverage FAQs, and qualify new insurance leads.
Updated
Automated 30-Day Policy Renewal Calls
Remind car, two-wheeler, and health insurance policyholders automatically before policy lapse.
Lead Qualification for Insurance Brokers
Filter high-intent buyers for term life, health, and commercial vehicle insurance policies.
Instant Payment Link Trigger
Send renewal payment links via WhatsApp and SMS during or immediately following the call.
TRAI & IRDAI Compliance Guardrails
Built-in DND screening and strict adherence to regulatory calling windows.
Works the Whole Book, Not the Top Slice
Small-premium policies get the same renewal call as large ones, which is where most silent lapse actually happens.
Captures the Non-Renewal Reason
Vehicle sold, switched insurer, price objection. Tagged consistently, this tells you whether you have a pricing problem or a service one.
Insurance renewal is the cleanest possible case for automated calling: a known customer, a known date, a known product, and a lapse that costs both sides. Nobody decides not to renew a motor policy — they miss the date, drive uninsured for a fortnight, and then buy from whichever aggregator advertised at them first.
The commercial asymmetry is stark. Acquiring a new policyholder costs many times more than retaining one, and the retention action is a single call placed before the expiry date. Yet in most agencies that call happens only for the largest policies, because that is all the calling capacity allows.
Sequencing Renewal Outreach So It Actually Converts
A single call on the expiry date is the weakest possible approach, and it is what most agencies default to. A short sequence built around the date performs considerably better.
- Thirty days out, informational — Confirm the expiry date is known and the contact details are current. No pressure, no pitch — this call exists to remove surprises.
- Fifteen days out, transactional — Offer the renewal quote and a payment link on the call. This is where most conversions happen.
- Five days out, urgency — Genuine urgency rather than manufactured — a lapsed motor policy has real legal consequences and saying so is factual.
- On expiry, last window — Short and factual. Some customers act only at the deadline and this call captures them.
- Post-lapse, recovery — A brief window after expiry where a customer has not yet bought elsewhere. Frequently overlooked and cheap to work.
- Capture the reason on every decline — This aggregate is the most useful retention data an agency can have.
Sync payment status so a customer who renewed online yesterday is not called tomorrow. Nothing damages a renewal programme faster than chasing someone who has already paid.
Compliance Boundaries for Insurance Calling
Insurance sits under both TRAI communication rules and IRDAI conduct expectations. The safe design principle is that the agent handles facts and logistics, and anything advisory routes to a licensed person.
- Safe: renewal date and premium — Factual information about an existing policy the customer already holds.
- Safe: payment logistics — Sending a link, confirming a payment, explaining how to renew.
- Safe: document collection reminders — Chasing what is outstanding on an in-progress application.
- Escalate: coverage advice — Whether a policy suits the customer needs is an advisory question for a licensed adviser.
- Escalate: claims — Anything claims-related involves distress and discretion. Transfer immediately rather than attempting to handle it.
- Escalate: comparison and switching — Product comparison is advice. Capture the interest and route it to a person.