Capabilities · Operational platforms

Motor and health insurance — offer and sales

This sells motor third-party, motor damage and a health package — not a travel policy. The agent enters the product, quotes from the vehicle or the insured persons, takes the application through to a policy and watches the renewal. One funnel in the client account. It does not replace an insurer’s or intermediary’s licence.

Motor · health · policy

Where motor and health sales break

The motor quote lives at the insurer, the health application in mail, the policy in a folder, discounts in a spreadsheet. The agent cannot see that motor cover ends in a week and the medical package in a month. Underwriting receives an incomplete application. The client gets a different wording than the one used for the premium. At year-end, when motor renewals pile up, the manual loop collapses.

Modules

What sits in this process

Offer entry — motor and health

Two products in one model: motor (third-party, damage, motor personal accident, vehicle assistance) and health (package, benefit scope, exclusions). Variants, a tariff or a link to the insurer’s tariff, clauses, sales window. The agent sells the current version, not yesterday’s PDF.

Motor quote

Vehicle, year, capacity or power, mileage, discounts, co-owner, third-party / damage scope. Premium and a dated offer stay on the account — they do not vanish when the insurer’s calculator closes.

Health quote

Insured persons, age, package (outpatient, hospital, dental in the agreed scope), waiting period, premium. Variant comparison on the same client. This is not travel cover.

Sale through to policy

Application, vehicle documents or insured-person data, consents, premium payment, policy number, status. History from enquiry to document — separately for motor and for the health package, in one account.

Book and renewals

A queue of ending motor cover and ending medical packages. Cross-sell on the same client: damage cover next to third-party, a family health package. The agent sees the dates — they do not browse a calendar by hand.

Roles, commissions, notification

Agent, multi-agent, underwriting, finance. Commission split in the case model. Intake of a motor claim or a health case on the same account. Claims handling on the insurer’s side stays there.

Integrations

Premium payment for motor and health — gateway, transfer, confirmation on the application.
Mailing of the offer, terms, policy and a renewal notice for motor or the package.
A motor-tariff API or the insurer’s system when the process requires it.
Reports: motor sales, health sales, renewals, commission per agent.
RBAC, change audit and retention under GDPR — vehicle and medical data do not leak into a spreadsheet shadow.

Directed solutions

A multi-agent for motor and health — one funnel, two products, a commission split.
An office with its own motor or medical-package offer — product entry without a separate CMS for PDFs.
A renewal channel — the book of ending motor and health cover first, then the full application.

Example first stage

One product to start: motor third-party or one health package. Offer entry → quote (vehicle or insured persons) → dated offer → application and premium → policy on the account. Acceptance: the agent sells the current tariff, finance sees the premium, a renewal of that product can be added in the next stage. The second product (health or motor damage) — a separate quote. No travel policies.

Related areas

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