Policy Query Agent
Coverage, excess, exclusions, docs
AI chatbot for
Insurance
Policyholders, Claims & Renewals
Policyholders ask about coverage, claims, and renewals at all hours. NIVA answers from your own policy wording, starts the claim right in chat, and hands complex cases to your team. Fewer calls, faster claims, no lost customers.
- No usage-based billing
- Live across 25 industries
- White-label ready
10+
Insurance Personas
24/7
Policyholder Access
0
Code Required
Built for
General InsurersHealth InsurersHome & Property InsurersMotor InsurersCommercial Insurers
Where insurance teams lose money every week
Not a tech problem. Missed replies, repeated FAQs, and overnight drop-off · on the website you already run.
They write while you're busy
A insurance enquiry about pricing or availability lands while you're with a customer · and dies in the inbox.
Your team repeats the same answers
Hours go to FAQs on phone and chat. Quotes, visits, and sales wait behind the queue.
Warm leads cool overnight
Night and weekend visitors leave with no next step. By morning they've booked someone who replied.
Work your Insurance team still does by hand
The questions your contact centre answers all day, handled on your website instead.
- 01
Coverage & Policy Questions
"Am I covered for this? What's my excess?" Policyholders get instant, accurate answers from your own policy documents instead of waiting on hold.
Coverage · Excess · Exclusions · Documents
- 02
Start a Claim in Chat
The bot collects what happened, when, and the photos, then opens the claim and tells the customer what happens next. No forms to hunt for, no call queue.
Claim Intake · Photo Upload · Next Steps · 24/7
- 03
Quotes Without the Wait
Visitors answer a few guided questions and get a quote or a callback booked with your sales team, before they open a competitor's site.
Quotes · Lead Capture · Callbacks · Comparison
- 04
Renewals That Don't Lapse
When a customer asks about their renewal, the bot explains the new terms, answers objections from your approved wording, and books a call if they hesitate.
Renewals · Retention · Objections · Follow-Up
- 05
Policy Changes & Documents
Address changes, added drivers, proof of insurance requests. The bot collects the details and sends them to your team as a structured request.
Amendments · Endorsements · Documents · Requests
- 06
Claim Status Updates
"Where is my claim?" answered instantly, with live status from your claims system when connected, instead of a fourth phone call.
Status · Timelines · Updates · Fewer Calls
Questions your insurance site already gets
Answered from your docs and policies · days, nights, weekends · so your team isn't repeating them.
My neighbour's tree fell on my garage roof in last night's storm. Am I covered and what's my excess?
My renewal quote is $180 higher than last year. Why, and can anything be done?
Not another chatbot.
A front desk that works overnight.
Missed enquiries after hours
Every website visitor gets a reply · days, nights, weekends
Your team repeats the same answers
Policies and pricing answered from your docs · consistently
Leads cool off waiting for a call back
Bookings, forms, and next steps happen in the chat
Teams already using NIVA
Ready-made insurance helpers
Sales, support, bookings · switch on the roles you need. No writing from scratch.
Claims FNOL Bot
First notice, details, claim opening
Quote & Sales Bot
Indicative quotes, coverage comparison
Renewal Retention Bot
Renewal outreach, offers, processing
Policy Amendment Bot
Endorsements, changes, premiums
Compliance Query Bot
FCA, IDD, Consumer Duty queries
+ 4 more insurance roles available
Built around how insurance teams work
Practical pieces that save time · not a pile of AI features to configure.
Policy Wording Knowledge Base
Upload your policy wordings, IDD documents, and approved sales scripts. NIVA answers policyholder queries from your exact documentation · compliant answers, every time.
Identity Verification Integration
NIVA verifies policyholder identity via policy number, date of birth, and postcode before surfacing account data · meeting FCA data security requirements before any account action.
FNOL & Renewal Workflow Automation
Build FNOL data collection and renewal outreach flows in NIVA's guided chat steps. Incident reported → structured data collected → claims system updated → adjuster assigned.
Claims & Policy System Integration
NIVA integrates with Guidewire, Duck Creek, Majesco, and custom policy admin and claims systems. FNOL data, endorsements, and renewal outcomes push directly to your system of record.
Claims FNOL Flow
Trigger
Policyholder reports an incident
Collect
Date, description, photos, details
Open
Claim reference created, guide sent
Claims
Structured FNOL pushed to system
What visitors can actually get done
Beyond FAQs · for insurance businesses that sell and support online.
Stop chasing
Work finished in the chat
Collect the right details, book the appointment, and notify your team · without bouncing visitors to another form.
See how it works Capture cleanlyDetails you can act on
When someone is ready, the chat asks for name, dates, budget, or requirements · and lands it in your inbox or CRM.
See how it works Feel humanThe right helper, every time
Sales, support, or bookings · visitors get the specialist answer they need, without choosing menus.
See how it worksTonight's visitors get answers. You set it up once.
No developer on retainer. Most insurance teams are answering overnight enquiries the same day they start.
- 01~15 min
Show us where leads slip
Website, WhatsApp, ads · we map the insurance questions that cost you money when nobody answers.
- 02Your call
Switch on the right helpers
Sales, support, bookings · pick personas that already speak insurance. Turn off what you don't need.
- 03Your docs
Feed it what you already trust
Price lists, FAQs, policies, page links. It only answers from what you approve · nothing made up.
- 04Same day
Go live as your brand
One line on the site you already run. Overnight visitors get replies while your team sleeps.
On your website. Looking like your brand.
Works on the site you already have · WordPress, Webflow, Shopify, or custom. Your logo, your colours, your name. Most owners are live the same week they start.
- No big rebuild of your website
- Changes show up for visitors without a re-launch
- We can add it with you on the demo call if you prefer
- Do I need a developer?
- Helpful if you have one · not required. Many insurance teams paste one line or let us place it.
- How fast will I see value?
- Most start capturing overnight enquiries in the first week once knowledge and booking paths are set.
- What if it's not a fit?
- Tell us how you work today. We'll say plainly if a simpler setup or a rival product is better.
Compliance & Security
Built for regulated insurance environments.
- FCA ICOBS Rules
- Consumer Duty
- IDD Compliance
- GDPR / UK GDPR
- Solvency II Aligned
- AML / KYC Regulations
Common questions
Straight answers before you start.
No. It answers only from the policy wordings and documents you upload. If a question needs judgement or regulated advice, it says so and hands the customer to a qualified person on your team.
Still unsure? Send a short note about how you work · we'll reply with a fit recommendation for insurance.
Try NIVA free for Insurance
Spin up a insurancechatbot on your site this week · or send a short note and we'll tell you honestly if it's a fit.
- Free to start · no credit card required
- Works on the website you already have
- We reply within one business day if you inquire
Prefer to ask first?
Tell us how enquiries come in today. We'll reply with a fit recommendation.
Solutions Focus
Related use cases
See how NIVA handles day-to-day work in your space.
Vertical Markets
Related industries
Explore conversational agent options for adjacent vertical systems.
Niva Ecosystem