Buddy for insurance

Stop losing policies to renewal emails nobody opens.

Renewal notices sit in the promotions tab until the cover lapses. Send them on WhatsApp instead, see who read each one, and get the answer back in one word: RENEW.

Join the waitlist See how it works

For insurers, brokers and agents who want renewals back without chasing

An agent and a client signing a policy across a desk

Hi Priya, your home cover renews on 14 March. Reply RENEW and we'll do the rest.9:04

RENEW. Same as last year.

Opted infrom your app

Read2 min

Replied4 min

Renewed this week

How your policyholders join In-app opt-in via API Website widget Opt-in page and QR Import with consent

Technology from

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Renewals, service and claims. One channel your customers actually open.

Renewals

Due → renewed, this month

DueReadRepliedRenewed

Renewals: no more silent lapses

The reminder lands in the app policyholders open all day, weeks before the date. One word back and your team can renew it.

Policy service

Hana, your updated policy documents are ready. Find them in the app under Documents.10:00

Thanks. Has my excess changed?

Read within the hour

Policy service: updates that get read

Changed terms, new documents or a new phone number reach only the people they affect, and every question comes straight back to your team.

Claims

"Did you get my photos?"Question

"Tell me about travel cover"Interested

"Can you call me back?"Follow up

Yes, we have them. Your handler will call you tomorrow morning.9:14

Claims: updates without the hold music

Photos, call-back requests and questions arrive sorted by what people mean. Your team answers in the thread the customer already uses.

Two people holding hands in a moment of care

Her renewal email went to promotions.The WhatsApp reminder was read before lunch. She replied RENEW.

Policyholders don't skip renewals. They skip the email about them.

Renewal notices go to promotions, policy letters stay sealed and call-backs hit voicemail. Then the cover lapses and the customer is upset. They read WhatsApp all day.

The renewal email is found in promotions a week after the cover ended.

Home, motor and travel customers all get the same flat letter.

Questions spread over a phone line, an inbox and one agent's own mobile.

With Buddy, policyholders opt in once, each reminder matches the cover they hold, and every reply reaches one inbox.

Three steps from opt-in to a renewed policy.

One API call when a policyholder opts in, or a widget and an opt-in page if you have no app. After that, everything runs inside Buddy.

They opt in, in-app

A policyholder ticks "Policy updates on WhatsApp". Your app adds them to Buddy with a tag.

POST /api/v1/subscribers

Authorization: Bearer bd_live_…

{ "phone": "+44 7700 900123",

"name": "Priya",

"tags": ["policyholder"] }

201 Created · opt-out respected

Group by cover and month

Tags turn into audiences: home cover due in March, motor customers, anyone with travel cover.

Audiences

Home, renews in MarchRenewal

Motor policyholdersUpdate

Travel coverSeasonal

Opted outNever messaged

Remind, update, answer

Your renewal flow runs by itself. Policy updates go out as a WhatsApp message. Every reply comes back to one inbox.

Automation · Renewal reminder

When: new subscriber · tag "renewal due"

Wait 2 days

Branch: has tag "home cover"

Send WhatsApp message: "Your home cover renews on 14 March"

Four messages that keep policyholders close in the first week.

Each is an approved WhatsApp template with the person's name and cover in it, and every reply comes back to your team.

Renewal

Harbour CoverBusiness account

Hi Priya, your home cover renews on 14 March. Reply RENEW to keep it as it is, or REVIEW and we'll talk it through.9:04

RENEW

Thank you, Priya. Your renewal is confirmed today.9:20

Audience · home cover, renews in March

Policy update

Harbour CoverBusiness account

Lucas, your new motor policy documents are ready. Your cover and excess stay the same. You'll find them in the app under Documents.10:00

Got them, thanks. Can I add my partner as a driver?

Yes. Send us their name and we'll set it up.10:12

Audience · motor policyholders

Claim follow-up

Harbour CoverBusiness account

Hi Elena, thanks for sending everything through. Your handler will call you tomorrow between 10 and 12. Does that time suit you?16:40

Yes, 10 works for me

Noted. Speak tomorrow at 10.16:52

Sent by the claims team · from the inbox

Seasonal advice

Harbour CoverBusiness account

Storm season, Sofia. Three things worth doing this weekend: clear the gutters, photograph your valuables, and save our claims number. Reply TIPS for the full checklist.18:30

TIPS

Audience · home cover policyholders

Plays your team can switch on.

Renewals sorted before the cover runs out.

A reminder to everyone tagged renewal due, a second one if there's no reply, and a note to your team the moment someone says RENEW. Each flow stops when they answer.

Priya S.Renewing

Tagged renewal due · Mon

Reminder read · Wed 9:04

Replied RENEW · Wed 9:06

Team notified · flow stopped

Storm tips only to the homes that need them.

Home cover gets storm tips, travel cover gets holiday tips. Send to a tag and see who read it.

WhatsApp message · Storm season checklist

SentDeliveredReadClicked

Policyholders opt in where they manage their cover. One word opts them out. Buddy records both.

"Am I covered abroad?"Question

Every reply, already sorted by intent.

Interested, question, follow up, not now. Renewals, service and claims each answer in the thread.

Consent records compliance can sign off on.

Every opt-in is saved with where and when it happened. One word from the policyholder stops all messages, and that is saved too.

Priya S.Opted in

SourceYour app · policy settings

RecordedMon 9:10

Opt-out wordSTOP, honoured instantly

A role for renewals, service and claims.

Invite agents and handlers. Each sees only what they need.

Number health, in sight.

Quality rating and messaging limits from WhatsApp, right inside Buddy.

What compliance will ask before you message a policyholder.

Anything else, ask Sarah.She reads and replies to every message.

Ask a question

Can an insurer message policyholders on WhatsApp?

Yes, with their permission. Buddy runs on the official WhatsApp Business Platform: every opt-in is recorded with its source and every opt-out is honoured at once. Meta's messaging policies apply, and your compliance team decides what goes out.

How do policyholders opt in?

Inside your app, with one API call when they tick the box. Or through a widget on your website, an opt-in page or QR code, or an import of people who already said yes.

What policyholder data does Buddy keep?

Only what you add: usually a name, a phone number and tags such as the type of cover or the renewal month. Buddy also keeps the consent record and the WhatsApp conversation.

How does Buddy handle personal data?

Buddy is built for GDPR. You choose which fields come in, consent and opt-outs stay on record, and our DPA and privacy policy cover the rest.

Can renewals, service and claims share one inbox?

Yes. Replies arrive in one inbox, grouped by what people mean, and each team gets its own role. Everyone answers in the thread the policyholder already uses.

What does WhatsApp charge for these messages?

Meta charges for business messages by message type and country. Your Buddy plan is separate from that.

Keep every policyholder covered, and close to you.

Join the waitlist and tell us what cover you offer. We'll send back the plays that fit your book.