Leads and quotes

A quote is a priced offer to a customer. When the customer accepts, you turn it into a policy with one action. Quotes are under Sales > Quotes.

Prepare a quote

1. Choose New quote, or New quote on a customer.
2. Choose the customer and the product. You can add a new customer without leaving the form. Only active products are listed.
3. Enter the sum insured, the cover dates and how the customer will pay: one payment, 2 or 4 instalments, or monthly.
4. Fill in the risk details. They change with the line of business: vehicle age and use for motor, age and smoker for health and life, construction for property.
5. Tick the optional coverages the customer wants.
6. List the insured items: the vehicles of a motor policy, the members of a health policy, the premises of a property policy.
7. Save.

The Premium box updates as you type and shows every line of the calculation. See how a premium is worked out.

A saved quote is a Draft. You can change it as often as you like.

Finalise

Choose Finalise quote when it is ready. The product's underwriting rules then decide:

Result	What it means
Approved	The quote can be sent and issued
Referred	It waits in the underwriting queue, with the reasons shown
Declined	It cannot be issued

A finalised quote can no longer be edited. To change it, choose More > Create a new version: the quote is copied into a new draft and the old one is marked as replaced.

Send it to the customer

Choose Send to customer. The customer receives an email with the quote attached as a PDF, and the quote is marked Sent. More > Download PDF gives you the same document to print or send yourself.

Give a discount

Choose More > Give a discount and enter a percentage. The product sets the highest discount allowed. If your company has an approval chain for discounts, the discount waits for approval and the quote is locked until it is decided.

Issue the policy

On an approved or sent quote, choose Issue policy. In one step the system creates the policy, its invoices according to the payment plan, and the commission of the agent or broker. The quote is marked Converted and links to the policy.

Issuing can also be put behind an approval chain, for example for large sums insured.

Tabs on the list

Drafts, With underwriting, Ready to issue and Converted show the quotes at each stage, so nothing is forgotten.

Quotes that expire

Each quote has a Quote valid until date, 30 days ahead by default. The person who prepared it is notified three days before, and the quote is marked Expired when the date has passed. Create a new version to offer it again at today's rates.