Car insurance renewal: the reminder call before a policy runs out
Sado AI team · · 4 min read
In short
Many drivers forget when their OSGO or KASKO policy ends, and an insurer who doesn’t remind them loses the customer to another company. Make the first call about a month before expiry and the second a week before. On the call, name the policy type, the car and the end date, and ask one question: shall we renew? Quote prices and terms only from the company’s own information, leave complex questions to a specialist, and never ask for card numbers. An AI operator can make these calls from a list.
When to call
- First call: about 30 days before expiry. The customer has time to think and set the money aside.
- Second: 7–10 days before, if they said “later” or didn’t answer the first time.
- Last: a day or two before expiry, only to those who haven’t renewed.
- As soon as a customer renews or asks not to be called, take them off the list.
- Call during the day and early evening. The company sets the exact hours. The days here are only an example.
What the list needs
| Column | Why |
|---|---|
| Name and phone | Who to call, and greeting them by name |
| Car | “The policy on your Spark” sounds trustworthy |
| Policy type: OSGO or KASKO | The conversation and next step depend on it |
| End date | This is the main message |
| Responsible agent or office | Who takes over the renewal |
List only what’s needed. Uzbekistan has a law on personal data: calling your own customer about their policy is part of the service, but if in doubt, ask a lawyer.
The call, step by step
- Greet and check you’re speaking to the customer. If someone else answers, give no details.
- Give the news in one sentence: “The OSGO policy on your Spark ends on 20 November.”
- Ask one question: “Shall we renew it?”
- If yes, explain how: come to the office, or an agent calls them. Agree a time.
- If they ask the price, quote the company’s tariffs or say the agent will calculate it. Never ask for card details.
Sample call
Sado: Assalomu alaykum, is that Gulnora? This is Malika from Sokin Yo‘l insurance agency.
Caller: Yes, speaking.
Sado: The OSGO policy on your Spark ends on 20 November, so I’m calling to remind you. Shall we renew it?
Caller: Yes, I need it. Will the price be the same as last year?
Sado: Our agent will work out the exact price. Would you like to come to the office, or shall the agent call you?
Caller: Have them call me, in the evening after six.
Sado: Fine, our agent will call you today after six. There’s time before the policy ends. Have a good day!
Next step by the answer
- “I renewed with another company”: note the date and set a reminder for next year. Ask why in one question.
- “I sold the car”: remove them from the list and say thank you.
- “I’m interested in KASKO too”: create a task for a specialist, who explains the terms.
- “Later”: agree a specific day and call back on it.
- “Don’t call me”: add the number to the do-not-call list for good.
Handing reminders to an AI operator
Hundreds of policies end every month, and agents are busy with new customers. In Sado you bring the list of policies nearing their end date into Auto-calls as an Excel file or from your CRM, and set the calling hours. The operator talks with each customer live: it gives the date, asks about renewal and agrees when the agent will call. It states insurance terms only from your information, leaves complex questions to a specialist and creates a task.
When customers call you themselves, the incoming calls operator answers 24/7. Preparing the list: calling a list from Excel. A car dealer that sells policies with its cars can run the same reminders for its own customers. Try it live or call 78 778 01 23.
Questions
Can the AI operator explain insurance terms?
Only within the information you give it: policy type, dates, how to renew. It doesn’t advise which insurance to choose; it leaves such questions to a specialist.
Can we take payment on the reminder call?
Don’t ask for card numbers by phone. On the call, get the customer’s agreement and preferred way, and take payment at the office or through your usual payment channel.
Isn’t an autodialer recording enough?
A recording can state the date but can’t hear “have the agent call me tonight”. The difference: autodialer or AI operator.