Re-rate against current tables, deliver pre-filled links, and issue updated schedules.
An automated renewal cycle operating on the same calculation engine and document templates as new business. Event triggers, payment links, and policy updates run smoothly without manual spreadsheet exports.
Manual renewal processing drains underwriting resources. When teams must manually look up expiring policies, calculate indexation adjustments, and email payment instructions individually, renewal turnaround slows down and retention rates decline.
InsureOS automates renewal evaluation thirty days prior to expiry. For specialized policies like marine policy renewals, the system inspects craft specifications, recalculates premiums against the current active rate version, generates an updated schedule of cover via automated document generation, and triggers customer notifications through event-driven automation.
Deliver secure, personalized renewal links pre-populated with existing schedule details, allowing customers to confirm terms in one click.
Apply building cost inflation rates or vehicle depreciation curves automatically, presenting accurate valuations on renewal schedules.
Dispatch renewal confirmations, updated policy schedules, and payment settlement records straight to your core administration system.
Once the renewal is re-rated, the platform issues a hosted payment link that your customer pays from any device. Card, bank transfer, or premium-funded instalments through the providers you already run. The receipt and updated schedule fire the moment the gateway clears.
Every step of the renewal flow fires an event. quote.rated when the new premium is calculated, payment.scheduled when an automatic charge is queued, payment.succeeded when the gateway clears, document.generated when the new schedule goes out. Subscribe with webhooks and your stack stays in sync without polling.
See automationRenewals re-rate against the active rating tables effective on the renewal inception date. The expiring policy retains its original calculation trace for historical auditing, while the renewal invitation produces a distinct quote record showing current rating factors.
The platform generates a unique, authenticated payment link delivered via email or SMS. Policyholders open the link on mobile or desktop, review their pre-filled schedule, adjust coverage options if allowed, and pay via card, direct debit, or premium funding.
Midterm adjustments evaluate through the same calculation engine as new business. Pro-rata premium calculations execute automatically based on remaining policy days, generating endorsement documents that update the schedule before the next renewal cycle.
Yes. Where supported by your payment gateway adapter, tokenized payment methods can be scheduled to charge on the policy renewal date. Customers receive advance notification emails with the scheduled date, amount, and an option to modify terms or opt out.
Yes. Underwriters can review pending renewal queues in the administration portal, apply custom discounts or risk loadings, attach updated policy terms, and reissue the renewal notice with customized pricing before customer delivery.
Once renewal payment confirms or direct debit schedules authorize, real-time webhooks dispatch policy renewal events to your back-office core, updating policy status, ledger receipts, and renewal documents in JAVLN, eGlobal, or internal databases.
Online quoting
Embed a real quote-to-bind flow
Automatic rating
Product definitions, rules, tables, explainable factors
Third-party integrations
Plug in the tools you already run
Payment collection
Cards, bank transfers, finance
Document generation
Branded policy docs, certificates, receipts
Automation
Webhooks, events, integrations
APIs
Headless when you need it