Watch ten flows from start to finish.
Each flow shows what's on screen and the steps in the background together. Timings come from real conversations.
People, companies and amounts are fictional.
Shows question cards, the wait as the list grows, the best price versus the best online price and a Call Me request.
On screen
I'd like a casco quote
What's your vehicle's status?
Enter your details
- National ID or tax no
- 123******01
- Date of birth
- 14.03.1988
- Mobile
- 05** *** ** 17
- a***@***.com
I've read the KVKK privacy notice
Marketing preference
Your vehicle registration
About 1 minute later: the customer is looking for the registration
Plate and registration details
- Plate
- 34 ABC 123
- Document serial
- AB ******
A few short questions so insurers can price correctly.
Is your vehicle correct?
- Vehicle
- 2019 Renault Clio 1.0 TCe
What's your occupation?
Some insurers offer occupation discounts.
Additional information
- SGK retiree?
- No
- Add the previous casco policy?
- Yes
- Rented vehicle?
- No
- Aftermarket accessories?
- No
- LPG system?
- No
If added, your no-claims level is reflected in the price.
All set, I'm preparing your quotes.
Collecting quotes from insurers… 25 / 48
Your casco quotes are ready. Our best price is 14,218.46 TL for the Insurer B Economy package, which needs a representative. The best price you can buy online is 15,104.55 TL for the Insurer D Economy package.
- Insurer B Economy14,218.46 TLCall Me
- Insurer D Economy15,104.55 TLBuy
- Insurer A Comprehensive16,742.90 TLCall Me
- Insurer C Premium19,385.12 TLBuy
25 quotes on the list.
what's the liability on a comprehensive and c premium. can we raise it to 20 million
Fetching quote details…
| Quote | Liability | Replacement car |
|---|---|---|
| A Comprehensive | Combined 5,000,000 TL | Twice a year, 7 days |
| C Premium | Combined 10,000,000 TL | Twice a year, 15 days |
At this stage quotes use the standard casco profile, so I can't raise the liability limit with a separate choice here. Our representative can discuss it with the insurer.
About 2 minutes later, when the customer hasn't written
Let me clarify the difference between Economy, Comprehensive and Premium in a minute: what matters more to you, price or cover?
Call me about Insurer A Comprehensive
We've passed your request to our representative. We'll reach your registered number soon from 0850 *** ** **. If you'd rather not wait, you can call us now.
What's happening in the background?
- ModelIt understood the customer wants a casco quote.
- Insurer's systemIdentity received; the marketing preference was requested.
- Insurer's systemThe phone was already verified, so no SMS step appeared.
- Insurer's systemThe vehicle and previous casco were looked up.
- Insurer's systemThe occupation list came back.
- ModelIt showed only the questions that apply to this vehicle.
- Insurer's system48 insurer and package requests went out.
- Insurer's systemThe first quote came in 6 seconds, the list grew as answers came, and the round ended at 39 seconds.
- ModelIt separated the best price from the best price available online.
- ModelIt split two questions across two quotes.
- Insurer's systemQuote details came back in 25 to 35 seconds.
- ModelIt tabled only what the quote data says and said what it can't do.
- Insurer's systemA scheduled message went out because the customer hadn't written.
- Insurer's systemA call request opened, and the conversation summary went to the team with the quote.
- TeamThe representative discusses the quote with the customer and completes the sale.
The assistant's limits in this flow: It doesn't guess at limits the quote doesn't show, doesn't raise liability limits itself and doesn't haggle.
Shows identity verification, an expired code, two plan quotes, a hospital question and the move to the insurer's purchase page.
On screen
Welcome. Let's prepare your supplementary health quote together, in minutes.
KVKK privacy notice
I've read it and agree
Thank you. To prepare your quote, could you share your national ID number?
123******01
Could you share your mobile number?
05** *** ** 17
Could you share the 4-digit code sent to your phone?
SMS code
Send a new code
Your SMS code has expired. We can send you a new one.
SMS code
Health disclosure notice
I've read it and agree
Calculating your quote…
Your two quotes are ready.
- InpatientUnlimited inpatient treatment at 100% in contracted providers.3,486.40 TLBuy
- Inpatient + OutpatientOutpatient 5 times a year; options 3 / 5 / 7 / 10 / 12.11,284.65 TLBuy
About 1 minute later, when the customer hasn't written
May I share something about your quote: depending on your tax position and legal limits, the premium may be deductible from your income tax base.
which hospitals in ankara does this cover. is kent sifa included
I checked Ankara: this product's network shows 38 providers. I couldn't find Kent Şifa Hospital on this list. The list is on the card.
Contracted providers
38 providers
what's the price for 10 times. do i pay here
I updated Inpatient + Outpatient to 10 times a year; the premium is 17,641.28 TL. Payment isn't completed in chat. The Buy link opens Insurer A's purchase page for payment and installments.
- Inpatient + Outpatient, 10 times a year17,641.28 TLBuy
Buy
The purchase page opened in a new tab. Once you finish, you can come back to this chat and continue.
When the customer returns to the chat
Were you able to complete your purchase?
What's happening in the background?
- Insurer's systemThe privacy consent was saved to this session.
- Insurer's systemThe details went to the insurer, and an SMS code was issued.
- Insurer's systemThe insurer reported that the code had expired.
- Insurer's systemThe new code was verified, and the customer's session opened.
- Insurer's systemOn the first quote attempt, the insurer asked for health disclosure consent first.
- Insurer's systemConsent was saved.
- ModelIt requested the quote again from where it left off.
- Insurer's systemPremiums for two plans were calculated in about 7 seconds.
- Insurer's systemA scheduled message went out because the customer hadn't written.
- ModelIt read this as a provider search and took the city from the message.
- Insurer's systemThe provider list was queried by city and product network.
- ModelIt searched the list for that hospital and said plainly it wasn't there.
- ModelIt separated two questions: frequency and where to pay.
- Insurer's systemThe frequency changed, and the premium was recalculated.
- Insurer's systemA purchase link for this quote was created.
- Insurer's systemThe insurer's purchase page opened in a new tab.
- TeamPayment and the policy are completed on the insurer's page; the result doesn't come back to the chat.
The assistant's limits in this flow: It doesn't take card details or payment in chat, doesn't issue policies and doesn't promise exact cover.
Shows the details form, marketing preference, registration step, quotes from 8 insurers, a payment error and the policy card.
On screen
I'd like a motor liability quote
What's your situation?
To prepare your quotes, I need your identity and contact details.
Enter your details
- National ID or tax no
- 123******01
- Date of birth
- 14.03.1988
- Mobile
- 05** *** ** 17
- a***@***.com
I've read the KVKK privacy notice
Marketing preference
Could you share the 4-digit code sent to your phone?
SMS code
Send a new code
Your vehicle registration
Upload a photo of your registration, or type the plate and document serial.
About 1 minute later: the customer is looking for the registration
Plate and registration details
- Plate
- 34 ABC 123
- Document serial
- AB ******
Which district do you live in?
kadikoy
Is the vehicle correct?
- Vehicle
- 2019 Renault Clio 1.0 TCe
- Fuel
- Petrol
- Use
- Private
Insurers price on these details.
Are you an SGK retiree?
Some insurers offer retiree discounts.
Collecting quotes from insurers…
- Insurer BBest price. Bought through a representative.11,486.37 TLCall Me
- Insurer ABest price you can buy online.11,902.10 TLBuy
- Insurer D12,914.82 TLBuy
- Insurer C50,000 TL liability and personal accident included.17,942.30 TLBuy
8 quotes on the list.
About 2 minutes later, when the customer hasn't written
Our best price is 11,486.37 TL from Insurer B, available through a representative. Shall we continue with Insurer A, the best price you can buy online right now?
what does no liability cover mean. wont it pay the other side at all
Motor liability pays the other party's loss up to the policy limits: 400,000 TL property damage per vehicle. Voluntary liability is separate additional cover above that limit. If the quote card doesn't show it, there's no additional package. For the same vehicle type, mandatory limits don't vary by insurer; premium and additional cover do.
I'd like to buy the Insurer A motor liability quote
To issue the policy, we need the engine and chassis numbers on your registration.
Engine and chassis number
- Engine no
- K9K*****
- Chassis no
- VF1*********
Before payment, please check your details and confirm the declaration.
Confirm your details
I've read the declaration and information documents
To finish, fill in the secure card form. Your card details go straight to your bank's 3D Secure screen and aren't kept in this chat.
Secure payment
- Card
- **** **** **** 4242
The transaction wasn't completed. Reason: Invalid installment option.
let me try single payment
Secure payment
- Card
- **** **** **** 4242
Taking your payment…
Your payment went through and your policy is issued.
Policy
- Insurer
- Insurer A
- Product
- Motor liability
- Policy no
- **** 7184
- Premium
- 11,902.10 TL
Download policy (PDF)
What's happening in the background?
- ModelIt understood the customer wants a motor liability quote.
- ModelIt opened the right vehicle and registration steps.
- Insurer's systemIdentity received. The code wasn't sent yet because the marketing preference is missing.
- Insurer's systemThe preference was written to the authorized system, and an SMS code was sent.
- Insurer's systemCode verified. Customers whose phone is already verified never see this step.
- Insurer's systemThe vehicle and previous policy were looked up in 3 to 5 seconds.
- ModelThe lookup found the address missing, and it tried to complete it with one question.
- Insurer's systemThe address was updated, and the vehicle was looked up again.
- Insurer's systemThe authorized insurer list came back, and 16 separate requests went out.
- Insurer's systemAnswers came in about 12 seconds; 8 insurers quoted.
- Insurer's systemThe server worked out the best price and the best online price; the model can't change them.
- Insurer's systemA scheduled message went out because the customer hadn't written.
- ModelIt read this as the difference between the legal limit and additional cover.
- Insurer's systemQuote details were fetched.
- ModelIt reported only what the quote data says.
- ModelIt linked the request to the chosen quote.
- Insurer's systemThe quote was checked and still valid.
- Insurer's systemInstallments came back, and a payment session opened.
- Insurer's systemThe insurer rejected the installment option.
- ModelIt stated the error as it is and didn't say a policy exists.
- Insurer's systemThe customer approved on their bank's 3D Secure screen.
- Insurer's systemThe bank reported the result, and the insurer issued the policy.
- Insurer's systemThe policy summary came back, and the PDF was prepared.
The assistant's limits in this flow: It doesn't email quotes, doesn't change prices and doesn't say a policy exists after a payment error.
Shows step-by-step address checks, home questions, same-premium quotes and the transfer to a representative.
On screen
i want a dask quote
To prepare a DASK quote, you need to log in first. If you're an individual customer, could you share your national ID number?
123******01
Could you also share your date of birth?
14.03.1988
Shall we continue with the number you're writing from?
yes
Could you share the 6-digit code sent to your phone?
******
For a DASK quote, I need your home's address. Which province is it in?
ankara cankaya yildiz neighborhood
Based on your address, I see Çankaya, Yıldız Neighborhood. I'm choosing this. Is that right?
yes
Could you write the street name?
camli street
What are your building and flat numbers?
14 flat 6
The address steps took about 3 minutes in total
I need 2 more details: the home's square meters and construction year.
95 sqm 2011
What's the home's damage status? Undamaged, lightly, moderately or heavily damaged.
no damage
What's the construction type? Steel / reinforced concrete or other.
concrete
Which floor are you on, and how many floors does the building have?
3rd floor 5 floors
I've created your DASK quote. Prices are being collected from insurers. This usually takes between 30 seconds and 2 minutes.
Collecting prices…
DASK premiums follow a state tariff, so the amount is the same at each insurer: 2,334.72 TL. The sum insured is about 1,170,000 TL, and 2% of it is deducted on each claim.
- Insurer A2,334.72 TLBuy
- Insurer B2,334.72 TLBuy
- Insurer C2,334.72 TLBuy
insurer b please
The pre-contract information form is ready. Read it carefully. Once you've read and approved it, we can continue.
Pre-contract information form
Open PDF
I've read it and agree
I'm transferring you to our representative, who will help with payment and the policy. Is there a time window you'd prefer for a call?
afternoon
I've transferred you to our representative and added the call note. Our representative will take this conversation from here.
What's happening in the background?
- ModelIt understood the DASK request.
- Insurer's systemThe customer isn't logged in.
- ModelOn WhatsApp it didn't ask for the phone separately.
- Insurer's systemLogin started, and an SMS code was sent.
- Insurer's systemCode verified.
- Insurer's systemSaved homes were checked; none found.
- ModelIt split the text into province, district and neighborhood.
- Insurer's systemEach part was checked against official address records.
- Insurer's systemThe street was found in official records.
- Insurer's systemThe request came back with a missing field, and the model asked for the next one.
- ModelIt asked about and confirmed residential use.
- Insurer's systemThe home record opened, and the DASK quote request went out.
- Insurer's systemInsurer quotes were collected.
- ModelIt made no price comparison because the premiums are the same.
- Insurer's systemThe pre-contract information form was prepared.
- Insurer's systemIt checked the form was opened and saved the consent. Consent isn't accepted before opening.
- Insurer's systemThe summary, quote and call time went to the agency's system, and automatic replies stopped.
- TeamThe representative completes payment and the policy.
The assistant's limits in this flow: It doesn't suggest DASK prices differ between insurers and doesn't say belongings are covered.
Shows an answer based on the policy document, its source and where the assistant redirects for what it can't see. This feature is in pilot today.
On screen
Welcome. I can list your policies and explain cover, limits and special conditions based on your policy document. Let's start by confirming your identity with a short SMS check.
KVKK privacy notice
I've read it and agree
Thank you. To show your policies, could you share your national ID number?
123******01
Could you share your mobile number?
05** *** ** 17
SMS code
Send a new code
Which policy is your question about?
OK, I've selected your Casco policy. Which detail would you like: cover, limits, exclusions, assistance services or dates?
is there a service if my car breaks down
Yes, towing is covered for breakdowns: twice a year, up to 15,000 TL per event. Anything above is yours. No replacement car is provided for breakdowns.
Source: Insurer A Casco Policy, Assistance Services, Towing
About 40 seconds later
If you like, I can also explain which accident and repair conditions give you a replacement car.
ok. is there a deductible too
If repairs take over 24 hours, a replacement car is provided twice a year, for up to 15 days per event, but not for glass-only claims. No deductible shows for contracted services; at an authorized service without an agreement, you bear 25% of the claim; if the repair province has no contracted service, this doesn't apply.
Source: Insurer A Casco Policy, Replacement Car Clause; Repair Location Clause
how many replacement days have i used this year
The document shows the total right, but I can't see what's left from here. You can find out by calling Customer Services on 0850 *** ** **.
What's happening in the background?
- Insurer's systemThe privacy consent was saved to this session.
- Insurer's systemAn SMS code was issued.
- Insurer's systemCode verified, and the customer's policies were listed.
- Insurer's systemThe selected policy's documents were opened.
- ModelIt read this as roadside assistance and towing.
- ModelIt searched the document for the towing clause.
- Insurer's systemID, plate and phone were masked in the excerpts.
- ModelIt limited the answer to the clause it found.
- ModelIt suggested a related right as a follow-up.
- ModelIt found both clauses and reported the negative condition too.
- ModelIt saw the answer is in usage records, not the document.
- ModelIt didn't guess without a source and pointed to the right channel.
The assistant's limits in this flow: It doesn't open claims, cancel or change anything, and doesn't guess at what the document doesn't say. This flow is in pilot today.
Shows the insurer's line, a draft report text, catching the wrong insurer from the policy and a transfer without a decision.
On screen
claim notice
Sorry to hear that. To point you the right way, could you first write which insurer your policy is with?
insurer a i think im not sure
- If you agree with the other driver, you don't need the police. If not, call 155 or 156.
- Keep any photos you took.
- Report within 5 working days. You can also call the Joint Claims Notification Center on 193. Note your file number.
got hit from behind nobody hurt both cars drive fine
In that case you can complete the report with the Sigortam360 Mobile Accident Report, on e-Devlet or on a paper form. I can also prepare a short text to use when reporting.
ok prepare it
A short text you can use: "My car was hit from behind while driving. No one was hurt and both cars can move. I'm attaching the report and photos. I request that a file be opened and an adjuster assigned."
I read the policy. According to this document, your insurer is Insurer B, not Insurer A, so you need to report to Insurer B: 0850 *** ** **. The photo shows damage around the rear bumper; internal or mechanical damage can't be judged from it.
will my claim be accepted. will i pay anything
The claims team makes that decision. It depends on the fault rate, the adjuster's report and the policy terms, so I can't say "it's paid" or "it isn't" from here.
i can't deal with this, you report it
I can't open the report from here. You can open it through the insurer's line or by calling 193. I can transfer you to our representative if you like. Is there a time window you'd prefer for a call?
afternoon
I've transferred you to our representative and added the call note. Our representative will take this conversation from here.
What's happening in the background?
- ModelIt understood this as a claims question. No ID is needed; the guide needs the insurer's name.
- Insurer's systemThe name was searched in the 27-insurer claims guide.
- Insurer's systemThe phone and link from the guide were passed on unchanged.
- ModelIt concluded: two vehicles, property damage only, both can move.
- ModelIt suggested the mobile report only because the conditions fit.
- ModelIt wrote the text from the customer's account. The customer sends it.
- ModelIt read the document and the image in 15 to 20 seconds.
- ModelIt compared the insurer the customer named with the document.
- ModelIt described what's visible without commenting on amount or fault.
- Insurer's systemInsurer B's line came from the guide.
- ModelIt recognized a question that needs a decision.
- ModelIt made no decision and said what it depends on.
- ModelIt said what it can't do and asked for consent and a time.
- Insurer's systemThe reason, summary and phone went to the agency's system, and automatic replies stopped.
- TeamThe representative calls the customer and helps with the report.
- TeamThe insurer's claims team decides fault, cover and payment.
The assistant's limits in this flow: It doesn't open claim files, make up file numbers, decide fault, cover or compensation, or give legal opinions.
Shows an agent asking the policy with a customer on the line, and the wording to use. A sample scenario built with your organization.
On screen
Customer on the line. They have casco and ask: does it cover floods, what's the deductible?
casco-policy.pdfFlood is included as additional cover, with no separate deductible. At an authorized service without an agreement, the customer bears 25% of the claim.
Source: Insurer A Casco Policy, General Information on Cover; Repair Location Clause
how do i tell the customer
"Your policy includes flood as additional cover, with no separate flood deductible. At a contracted service, no deductible applies. If a loss happens, the insurer assesses the file and payment."
what's needed if there's a claim
The insurer's line is 0850 *** ** **. Documents that may be requested: registration, license, accident report, photos, alcohol report and IBAN. The report must be made within 5 working days.
is fire the same. this is a commercial policy
That isn't in the casco policy you uploaded. If you upload the commercial policy, I can check.
During the call
What's happening in the background?
- ModelIt read the document in 15 to 20 seconds.
- Insurer's systemID and plate were masked.
- ModelIt limited the answer to the policy lines.
- ModelIt understood the staff member wants a short draft.
- ModelIt wrote this without promising payment.
- Insurer's systemInsurer details came from the claims guide.
- ModelIt saw the question belongs to a different policy.
- ModelIt didn't guess about something outside the document.
- TeamThe technical staff member explains in their own words and enters the record.
The assistant's limits in this flow: It doesn't decide cover, doesn't talk to the customer itself and doesn't log in to insurer screens with staff passwords.
Shows identity verification, the reason, document upload and the request reaching the team. The assistant doesn't decide on cancellation or refunds.
On screen
i want to cancel my policy i sold my car
If you've sold your car, I can take your cancellation request here. Let's verify your identity first. Could you share your national ID number and mobile number?
123******01
05** *** ** 17
SMS code
Send a new code
What is your reason for cancelling?
This request needs the notarized sale contract.
Request document
Upload a document
when do i get my money and how much
The insurer calculates the refund amount and date, so I can't state them here. Once you send your request, our team will inform you.
Check your request
- Request
- Policy cancellation
- Reason
- Vehicle sale
- Document
- 1 file
The details are correct
Send the request
Your request has been received. Your request number is SR-2026-******. Our team will review it and get back to you.
What's happening in the background?
- ModelUnderstood a cancellation request and its reason.
- Insurer's systemAn SMS code was issued.
- Insurer's systemThe code was verified.
- Insurer's systemThe document this reason needs was read from the request types.
- Insurer's systemThe document was added to the request and not passed to the model.
- ModelUnderstood that amount and date are the insurer's decision.
- ModelGave no amount.
- Insurer's systemThe request and document went to the organization's customer system, and a request number was created.
- TeamThe team checks the document; the insurer decides on cancellation and refund.
The assistant's limits in this flow: It doesn't cancel the policy itself, doesn't state a refund amount or date, and doesn't interpret the uploaded document.
Shows a branch employee's product and rule question, the other-insurer rule and the assistant refusing non-compliant wording. A sample scenario built with your organization.
On screen
Customer at my desk. On a mortgage, which insurance is mandatory and which is optional?
Under the instructions, DASK is mandatory on a mortgage and life insurance is optional.
Source: Bank instructions, Credit-linked Insurance; Insurer A Life, Information Form
what do i do if they bring their own policy
You need to accept a policy that fits the loan amount and term. If it's brought within a month, the first policy is cancelled and premiums are refunded in full within 5 working days.
Source: Insurer A Life, Credit-linked Life Insurance Information Form, F. Other Information
can i tell them no insurance no loan
I can't write that. Presenting optional insurance as a loan condition breaks the rules. You could say: "Life insurance is optional, and you can also buy it from another insurer."
does this product have an age limit
That isn't in the product document, and I'd rather not guess. Your product team can confirm.
During the conversation
What's happening in the background?
- ModelIt read this as a product and rule question.
- Insurer's systemThe bank's instructions and product documents were searched.
- ModelIt answered with the source. No customer data was needed.
- ModelIt looked up the rule on another insurer's policy.
- ModelIt refused, and gave the reason and the correct wording.
- ModelIt didn't guess without a source.
- TeamThe staff member talks to the customer and takes the explicit request.
The assistant's limits in this flow: It doesn't recommend insurance to customers, doesn't write text presenting insurance as a loan condition and doesn't take explicit requests.
Shows the call order for ending policies, the call note, the renewal quote and the follow-up record. A sample scenario built with your organization.
On screen
Which policies ending this week should we call first?
| Customer | Product | Ends | Note |
|---|---|---|---|
| A*** Y*** | Casco | 04.11 | Claim last year |
| M*** K*** | Motor liability | 05.11 | Renews on the last day |
| S*** D*** | Casco + DASK | 07.11 | Two policies |
23 policies end this week. I ordered them by end date and last year's activity. The first three are here.
calling the first one what should i say
Call note
- Policy
- Casco, **** 2841
- This year's premium
- TRY 16,742.90
- Claims
- 1, repair completed
prepare the renewal quote too
Collecting quotes from insurers…
- A Sigorta ComprehensiveCurrent insurer.TRY 19,204.15Explain to customer
- B Sigorta ComprehensiveReplacement car 7 days.TRY 18,116.40Explain to customer
- C Sigorta PremiumReplacement car 15 days.TRY 21,385.12Explain to customer
During the call
called they'll think about it. i'll call again friday add a note
Follow-up record draft
- Outcome
- Customer will think about it
- Next call
- Friday 10:00
Approve and save to the record
What's happening in the background?
- Insurer's systemEnding policies were fetched from the agency system.
- Insurer's systemCustomer identities were masked.
- ModelOrdered them by end date, claims and last year's renewal day.
- Insurer's systemThe policy and claim record were opened.
- ModelExplained the reason for the price change from the record.
- Insurer's systemThe quote request went to the insurers.
- ModelAdded the package difference next to the prices.
- TeamYour staff talk to the customer and explain the quote.
- ModelDrafted it from what the staff member wrote.
- TeamThe staff member checks and approves the record.
The assistant's limits in this flow: It doesn't call customers itself, doesn't renew a policy without approval and doesn't promise discounts.
Every flow ends in a different place.
The assistant finishes some jobs in chat and leaves others to the insurer or a representative. In internal flows, staff have the last word.
insurer-a.example/buy
Inpatient + Outpatient
17,641.28 TL
On the insurer's purchase page
Payment and the policy are completed on the insurer's own page.
Policy
- Insurer
- Insurer A
- Product
- Motor liability
- Premium
- 11,902.10 TL
With a policy card in chat
After bank approval, the policy comes to the chat. On a payment error, it states the reason.
I've transferred you to our representative and added the call note.
Transferred to a representative
- Summary
- Claim, two vehicles
- Call
- Afternoon
With a transfer to a representative
The summary and call time go to the team, and automatic replies stop.
Key loss is covered up to a 25,000 TL limit.
Source: Insurer A Casco Policy, Key Loss Clause
Staff approve
With an answer and its source
The answer rests on the document. Staff make the decision and have the last word.
