Your customers get an answer even after you close.
When a customer writes at night, the assistant replies and prepares a quote. When you open in the morning, a summary of the night is waiting on your desk.
- You close
- A customer writes and the assistant replies
- You open and the summary is ready
90% efficiency in quote operations: a casco quote costs TRY 110 with labour and TRY 10 with InsurAI.
A customer writes at night, and the summary is on your desk by morning.
Night
Morning, 09:00
What happened overnight
Ahmet K.Motor liability
Policy issued
Nothing needed
Zeynep T.Casco
Asked for a call
Call today
Murat D.Claim
Transferred to a representative
Conversation is yours
People, companies and amounts are fictional.
While you're open, the assistant prepares renewals, claims and reconciliation.
We build these scenarios with your portfolio records and insurer statements; the details in the examples are fictional.
Tracking renewals
An agency owner asks
Which casco policies ending in the next 30 days should we call first?
23 policies are ending. Seven had a claim last year, so I moved them up. I prepared a call note for each customer.
Licensed staff work the quote and talk to the customer.
Answering policy questions
Licensed staff ask
A customer asks: does casco cover flooding, and what is the deductible?
Flood is included as additional cover, with no separate deductible. I drafted a short reply for you to send the customer.
Your licensed staff give the customer the answer.
Comparing quotes
Licensed staff ask
What's the difference between these three casco quotes?
Insurer B has a glass deductible, Insurer C has a longer replacement car term and installments differ too. I put the differences in a table from your uploaded documents.
Your licensed staff decide which quote to recommend.
During customer claims
A claims lead asks
A customer had an accident. What do we need, and has the file been opened?
The file is open and an adjuster is assigned. The accident report is missing. I drafted a status message for the customer.
The insurer decides fault, amount and payment.
Preparing reconciliation
Agency accounting asks
Where do our records differ from the insurer's this quarter?
Three differences: two cancellation endorsements are missing on our side and one commission refund is recorded twice. I listed them.
Your team makes the corrections and signs the reconciliation.
Reviewing production
An agency owner asks
How does my loss ratio look by insurer? What should I bring to the meeting with the regional manager?
Your ratio with Insurer A is worse than last year, and home business with Insurer B has grown. I prepared a two-page meeting note from your own production data.
Decisions on lines and insurers are yours.
What agencies ask us most often.
I don't have web service authorization. Can I still use it?
Selling requires authorization, and the assistant shows quotes only from insurers you're authorized with. If you have none, that's the first thing we talk through.
Do you need my usernames and passwords for insurer systems?
No. The assistant doesn't log in to insurer screens with your account. The connection is set up with the insurer's permission, on InsurUp and RegorTech infrastructure or through the insurer's own web services.
Which insurers' quotes does it show?
Only insurers you represent and are authorized with. The list a customer sees therefore covers the insurers you work with, not the whole market.
Does the assistant issue the policy?
No, both the quote and the policy come from the insurer's system. The assistant collects the details, shows the quote and takes the customer to payment. Payment goes through a card form and 3D Secure, and for some products it's completed on the insurer's own page.
What if a customer wants to talk to me?
On WhatsApp, it transfers the conversation to your representative. The assistant doesn't replace you. It looks after customers when you're closed or busy.
What does it do when a customer has a claim?
On your website it explains what to do next, and on WhatsApp it transfers the conversation to your representative. It doesn't open claim files or pursue compensation. The insurer decides fault, amount and payment.
Are the renewal and reconciliation scenarios ready today?
The out-of-hours quote flow is in live use. We build the renewal, claims and reconciliation scenarios with you, connected to your portfolio records and insurer statements. We choose together which one to start with.
Where is my customers' data processed?
Your data is processed in Turkey and doesn't leave the country. Customers verify with an SMS code, and payment goes through 3D Secure.
Watch a motor liability sale and a WhatsApp transfer on screen.
People, companies and amounts are fictional.
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.
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.
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.
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