Automate Everywhere Except the Worst Week of Their Year.
A customer forms their entire opinion of you in the days after something went wrong — the flood, the crash, the break-in. That is the one conversation worth protecting from automation, and it is the one most vendors aim at first, because it is where the volume sits. The honest scope is the other way round: automate hardest in the long stretches when nothing has happened, and staff the moment when something has.
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Most of the relationship is admin
A policyholder who never claims still generates a steady stream of work, none of which is emotionally delicate.
- Renewal, every year, per policyPredictable, and constantly late
- Chasing documents for a quoteThe bottleneck in new business
- Mid-term adjustmentsChanged car, moved house, new driver
- “What am I actually covered for?”Asked constantly, answerable from the wording
- Certificates and documents reissuedLost, needed today
- Chasing an insurer on a client’s behalfThe broker’s standing task
Row one carries most of the money. A renewal conversation that starts three weeks early is a retained customer; one that starts three days early is a price comparison, and the difference is almost never a deliberate decision — it is that renewals are handled in the order they become urgent rather than in the order they matter. That is a scheduling problem, and scheduling problems are what automation is genuinely good at.
A person, within the hour, every time
When somebody reports a claim, they have usually had a bad few days. What they need is to reach a human being who can tell them what happens next. An automated first response there — however well written — is the sentence that gets quoted back to you, screenshotted, and repeated for years. We would rather build you nothing than build that.
What automation can legitimately do around a claim is logistical and it is worth doing. Acknowledging receipt so the person knows it arrived. Collecting the documents and photographs that will be needed anyway, so nobody is asked twice. Telling the customer, unprompted, that their claim moved to the next stage. Most complaints about claims handling are about silence rather than about outcome, and silence is the cheapest thing on this list to fix.
What we will not build is claims decisioning or fraud scoring. Deciding whether somebody gets paid, or flagging them as suspicious, is a judgement with a serious consequence attached, and we cannot measure our own error rate on it. Our finance page refuses the same thing for the same reason, and this page is not a quiet exception to that.
On the record-keeping side, the argument our finance page makes applies here too and we will not repeat it at length: if a system influenced an outcome about a person, you should be able to say exactly what it did and when. Link, read it there, and hold us to it.
- ✓Claims reach a person, fast — The first response is human. Always.
- ✓Silence is the real complaint — Unprompted stage updates cost little and fix most of it.
- ✓No claims decisioning — Whether somebody gets paid is not a build.
- ✓No fraud scoring — Consistent with our finance page, and for the same reason.
- ✓Renewals early, not urgent — Three weeks is retention. Three days is a comparison site.
Most complaints about claims handling are about silence, not outcome — and silence is the cheapest thing to fix.
What we build for insurers and brokers
Six builds, all in the quiet stretches. The claim conversation stays human.
Renewals That Start Early
Worked in the order they matter rather than the order they become urgent. Three weeks out is a conversation about cover; three days out is a price comparison you are likely to lose.
Document Chasing for Quotes
The proof, the licence, the schedule — requested, reminded and tracked, so new business stops stalling on a document nobody followed up.
Claim Stage Updates, Unprompted
Told when it moved, without having to ring and ask. This is the single highest-value thing on the claims side and it changes nothing about who makes the decisions.
Cover Questions From the Wording
Answered from your actual policy documents with the section referenced, so the customer can check it. Where the wording is genuinely ambiguous it hands over rather than choosing an interpretation.
Mid-Term Adjustments
Changed vehicle, new address, added driver — collected accurately and passed on. Routine, high volume, and currently eating a surprising amount of somebody’s week.
A New Claim Reaches a Human
Acknowledged instantly so they know it arrived, then in front of a person quickly. The acknowledgement is the only automated part, and it says a person is coming rather than pretending to be one.
What clients say
Real clients, quoted in their own words — published with their permission.
“Ghalib’s clear guidance has helped improve our website’s SEO performance.”
“It was a pleasure working with Ghalib and his team.”
“We’re very thankful to Ghalib and his team for building a fully-functioning website for our business.”
More of them, in full, on our reviews page.
— Our Proprietary Methodology —
The Visibility Framework™, applied in Insurance
The method doesn’t change by market. What it’s pointed at does.
Audit The Hours
Where time actually goes, task by task, scored on volume, repetition and the cost of getting it wrong. Ends in a ranked blueprint with estimated hours saved — yours to keep either way.
Design The Guardrails
Before any building: what the agent may touch, where a human must approve, what happens when it is unsure, and which data is never allowed near a third-party model.
Build & Evaluate
One workflow at a time, in your accounts, scored against real examples from your business before it touches live work. Shipped early so it meets reality while it is still cheap to change.
Run & Improve
Monitored for cost, failures and quality drift. Models change, your business changes, and an automation nobody tends becomes a liability rather than an asset.
Honest, No-Nonsense Commitment
If the audit concludes that a task is not worth automating, we will tell you and refund the difference rather than build it anyway. And if a workflow we built does not hit the outcome we agreed in the blueprint, we keep working on it at no extra cost until it does or we take it out.
AI Automation pricing for Insurance, in GBP
Quoted in pounds after the data conversation. We do not build claims decisioning or fraud scoring at any price — the same refusal our finance page makes. Nothing here is regulatory advice and we name no regulator, because which one applies depends on your business.
Renewals
The retention build.
- Renewals worked early and in priority order
- Document chasing for quotes, tracked
- No claims handling of any kind
Policy Lifecycle
The usual one. Adds cover questions and adjustments.
- Everything in Renewals
- Cover questions answered from your own wordings
- Mid-term adjustments collected accurately
- Optional: bundle in SEO or Website Development
Book-Wide
Larger books, or data that must stay put.
- Claim stage updates without touching decisions
- Local deployment where policyholder data must not leave
- Evaluated against your own cases before going live
- Optional: combine all 4 services for full-funnel growth
Every plan is scoped around your market — start with a free first look and we’ll recommend what fits, priced in GBP.
What you’re actually committing to
Most agencies keep this in a contract you only see after the sales call. We would rather you knew now, because it is the question everyone asks second — right after the price.
- The audit is credited, not sunkPay for the audit, and the full amount comes off the build if you proceed. If you don’t, the blueprint is still yours to hand to anyone else.
- A fixed build price after the auditQuoted once we know what we are building. If it takes longer than we estimated, that is our risk — the price only moves if you change the scope.
- You own everythingAccounts, API keys, workflows, prompts, evaluation sets, logs and documentation — all in your name from day one, and still yours if we never work together again.
- Running costs are yours and visibleAPI usage is billed by the provider directly to you. We never resell tokens or mark up usage, and you see the real number.
- The retainer is month to month30 days’ notice, no exit fee. Stop it and your automations keep running — you are simply maintaining them yourself.
- Human approval is the defaultAnything customer-facing or irreversible needs a person until the evaluation data justifies otherwise, and that decision is yours to make, not ours.
These are the terms as they appear in the agreement itself — nothing here is softened for the website. The full wording lives in our terms and conditions, and you get the agreement to read before anything is signed or invoiced.
Insurance AI Automation questions, answered
Related AI Automation pages
Same service, different angle — by market, by service and by industry.
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Get in touch with Ghalib Ashrafi HQ
Ghalib Ashrafi takes on work for brands in six markets — the UK, USA, UAE, Saudi Arabia, Australia and Pakistan. Every enquiry gets a reply within 24 hours.