Premium reminder 10 days before the due date: the WhatsApp message that prevents a missed payment
WhatsApp message template to warn a client ten days before their premium is due: debit order, Direct Debit and mobile money variants, from plain to formal tone.
Plain (debit order, South Africa)
The brokerage
Hi {prenom}, a quick note from {cabinet}: the debit order for your {contrat} policy, {montant}, runs on {date}.
Nothing to do if your banking details are unchanged. If you have moved banks or want the date closer to payday, reply here and I will update the mandate before the run.
Thanks, Naledi
Warm
The brokerage
Hi {prenom}, it's Thabo from {cabinet}. Just a friendly heads-up that your {contrat} premium of {montant} is due on {date}.
Salary landing after that date? Tell me and we can look at shifting the collection day so the policy never bounces. Any question about the amount, I'm right here.
Have a good week, Thabo
Short (mobile money, East Africa)
The brokerage
Hello {prenom}, your {contrat} premium of {montant} is due by {date}. Pay via M-Pesa to the {cabinet} paybill — reply PAY and I will send the paybill number and account reference. Wanjiru
Formal (UK commercial client)
The brokerage
Dear {prenom}, please note that the premium for policy {contrat}, {montant}, falls due on {date}.
If you are paying by Direct Debit through the premium finance arrangement, the collection will be taken automatically. If you are paying by bank transfer, the invoice PDF is in your inbox and we can resend it here on request. {conseiller} remains your point of contact for any query.
Kind regards, Emma, {cabinet}
Premium reminder 3 days before the due date: the last nudge before collection
Final WhatsApp reminder three days before an insurance premium is due: short text, one clear action, debit order, Direct Debit and mobile money variants for brokers.
Plain (debit order)
The brokerage
Hi {prenom}, last reminder before your {contrat} debit order: {montant} on {date}.
Please make sure the account is funded on the day; an unpaid debit order means bank charges and a re-run. Reply here if anything needs changing.
Naledi, {cabinet}
Short (mobile money)
The brokerage
{prenom}, 3 days left to pay your {contrat} premium ({montant}) before {date}. M-Pesa paybill for {cabinet}: reply 1 for the number, 2 if already paid. Asante, Brian
Warm
The brokerage
Hi {prenom}, Lerato from {cabinet} here. Your {contrat} premium of {montant} is due in three days, on {date}.
If it's already sorted, ignore this and thank you! If not, tell me whether you'd prefer an EFT or a short payment arrangement and I'll send the details straight away.
Lerato
Formal (UK commercial)
The brokerage
Dear {prenom}, unless payment has been made in the meantime, the premium for policy {contrat} ({montant}) is due no later than {date}.
Your accounts team is welcome to send the remittance reference here so we can record it without delay. {conseiller} remains available for any query.
Kind regards, James, {cabinet}
Premium reminder 3 days before the due date: the last nudge before collection : learn more →
Overdue premium reminder: the WhatsApp message after a missed collection
WhatsApp template to chase an unpaid insurance premium without losing the client: unpaid debit order, failed Direct Debit, mobile money, policy-based lapse wording.
Plain (unpaid debit order)
The brokerage
Hi {prenom}, the debit order for your {contrat} policy ({montant}) due on {date} was returned unpaid.
No action from the insurer yet if we fix it quickly. Reply 1 to re-run on a new date, 2 if your bank details changed, 3 to talk it through with me.
Naledi, {cabinet}
Short (mobile money)
The brokerage
Hello {prenom}, we have not received your {contrat} premium of {montant} due on {date}. Cover cannot continue without payment. Pay via M-Pesa to the {cabinet} paybill: reply 1 for the number, 2 if you have already paid. Wanjiru
Warm
The brokerage
Hi {prenom}, Thabo from {cabinet}. I can see the premium on your {contrat} ({montant}, due {date}) hasn't come through yet. It happens, and it's fixable.
Tell me what works: an EFT this week, a short payment arrangement, or a five-minute call to sort it out. I'll reply here today.
Thabo
Formal (UK, premium finance)
The brokerage
Dear {prenom}, the Direct Debit for policy {contrat} ({montant}) due on {date} has been returned by your bank.
The finance provider will write to you separately; if the instalment is not brought up to date within the period stated in their notice, the finance agreement and the policy may be cancelled. To avoid any gap in cover, please send the payment reference here or contact {conseiller} today.
Kind regards, Emma, {cabinet}
Overdue premium reminder: the WhatsApp message after a missed collection : learn more →
Sending an insurance quote on WhatsApp: the message that goes with the PDF
WhatsApp message template for sending a motor, home or business insurance quote: three-line summary, PDF attached, closed question, variants by tone and client type.
Plain
The brokerage
Hi {prenom}, here is your {contrat} quote as discussed: {montant} per month, attached with the full schedule of cover and excesses.
It is valid until {date}. Would you like a call to go through it, or would you rather ask your questions here?
Naledi, {cabinet}
Warm
The brokerage
Hi {prenom}, Lerato from {cabinet}. Your {contrat} quote is ready: {montant} a month, with the cover you asked about included.
The PDF has all the detail. Two things worth reading first: the excess and the waiting period. Take your time; just let me know if it works for you or if we should adjust anything.
Lerato
Short (mobile money, East Africa)
The brokerage
Hello {prenom}, your {contrat} quote: {montant} for the year, valid until {date}. Full details in the PDF attached. If you accept, pay by M-Pesa and your certificate is sent here the same day. Reply YES to proceed. Brian, {cabinet}
Formal (UK commercial client)
The brokerage
Dear {prenom}, please find attached the {contrat} quotation prepared for your business, at {montant} per annum including insurance premium tax.
The document sets out the cover selected, limits, excesses and exclusions, together with our terms of business and the demands-and-needs statement. The quotation is valid until {date}. {conseiller} can arrange a 20-minute call to present it to your directors.
Kind regards, James, {cabinet}
Sending an insurance quote on WhatsApp: the message that goes with the PDF : learn more →
Following up a quote that got no reply on WhatsApp, without nagging
WhatsApp message template to follow up a prospect who has not answered an insurance quote: timing, tone, closed question, marketing opt-in and Meta template rules.
Plain
The brokerage
Hi {prenom}, following up on the {contrat} quote I sent on {date} ({montant} per month).
Have you had a chance to look at it? If something is holding you back, tell me here; I can adjust the cover or the excess before it expires.
Naledi, {cabinet}
Warm
The brokerage
Hi {prenom}, Lerato from {cabinet}. No pressure, just a nudge: your {contrat} quote ({montant}) is sitting quietly in our chat.
If the price or any cover item raises a question, five minutes on a call will sort it. If you've gone with another option, a simple "no thanks" is all I need and I'll close the file.
Lerato
Short (mobile money)
The brokerage
{prenom}, your {contrat} quote at {montant} is valid until {date}. To start: reply YES, pay via M-Pesa and your certificate comes here. Any question, just reply. Brian, {cabinet}
Formal (UK commercial)
The brokerage
Dear {prenom}, our {contrat} quotation of {date} ({montant} per annum) is approaching the end of its validity.
If your board would like a presentation or a side-by-side comparison with your current policy, {conseiller} can arrange it this week. If we do not hear from you, we will assume the proposal does not meet your needs and will not contact you further on this matter.
Kind regards, James, {cabinet}
Following up a quote that got no reply on WhatsApp, without nagging : learn more →
Policy renewal notice on WhatsApp: new premium, date and what the client can do
WhatsApp template to announce an insurance policy renewal: new premium, renewal date, right to cancel, with plain, warm, mobile money and commercial-lines variants.
Plain
The brokerage
Hi {prenom}, your {contrat} policy renews on {date}. The new annual premium is {montant}, set out in the renewal notice attached.
Cover is unchanged. If you would like to discuss it or adjust anything before renewal, reply here and I will call you.
Naledi, {cabinet}
Warm
The brokerage
Hi {prenom}, Thabo from {cabinet}. A year already: your {contrat} comes up for renewal on {date}.
The premium moves to {montant}; the renewal notice is attached as a PDF, with the line that explains the change. If anything changed this year (car, home, family, business), now is the moment to tell me so we adjust before renewal.
Thabo
Short (mobile money)
The brokerage
Hello {prenom}, your {contrat} is due for renewal by {date}. Premium: {montant}. Pay via M-Pesa to the {cabinet} paybill; certificate sent here after payment. Reply 1 for the paybill, 2 for a question. Wanjiru
Formal (UK commercial lines)
The brokerage
Dear {prenom}, your business's {contrat} policy expires on {date}. The renewal terms offered by the insurer, {montant} per annum including IPT, are set out in the attached notice.
Please note the notice period for cancellation stated in the document. {conseiller} proposes a review meeting before that date to confirm the cover still matches your operations and, where appropriate, to approach the market.
Kind regards, Emma, {cabinet}
Policy renewal notice on WhatsApp: new premium, date and what the client can do : learn more →
Renewal confirmation on WhatsApp: certificate, premium received and next renewal date
WhatsApp template confirming an insurance policy has renewed: PDF schedule or certificate, premium received, next renewal date, plain, warm and commercial variants.
Plain
The brokerage
Hi {prenom}, your {contrat} policy has renewed from {date}. The premium of {montant} has been received.
Your updated schedule is attached. Next renewal in a year; we will be in touch a few weeks before.
Naledi, {cabinet}
Warm
The brokerage
Hi {prenom}, Lerato from {cabinet}. All done: your {contrat} is renewed for another year from {date}, thank you for staying with us!
The schedule is attached; keep it on your phone. If anything changes during the year, a message here is enough and I will adjust the policy.
Lerato
Short (mobile money)
The brokerage
Hello {prenom}, payment of {montant} received, thank you. Your {contrat} is renewed until {date}. Certificate PDF attached, valid for any roadside check. Keep this message. Brian, {cabinet}
Formal (UK commercial lines)
The brokerage
Dear {prenom}, we confirm the renewal of your business's {contrat} policy with effect from {date}, at an annual premium of {montant}.
The updated schedule and certificate are attached; the full policy documents follow from the insurer on a durable medium. {conseiller} remains your contact for any mid-term adjustment during the year.
Kind regards, James, {cabinet}
Renewal confirmation on WhatsApp: certificate, premium received and next renewal date : learn more →
Claim acknowledgement on WhatsApp: the first message after a client reports a loss
WhatsApp template acknowledging a client's claim notification: reference, documents needed, next step, reassuring tone, no promise about the outcome of the claim.
Plain
The brokerage
Hi {prenom}, we have received your claim notification on policy {contrat} on {date}. Please quote your policy number in any message about it.
To submit the claim to the insurer we still need: the completed claim form, photos of the damage, and the police or incident report if there is one. Send them here as PDFs or photos.
Naledi, {cabinet}
Warm
The brokerage
Hi {prenom}, Thabo from {cabinet}. I've got your notification on the {contrat} policy; first of all, I hope everyone is alright.
I'm taking the file from here. Send me the photos and the incident details whenever you can, and I'll deal with the insurer and keep you posted at every step.
Thabo
Short (mobile-first)
The brokerage
{prenom}, claim on {contrat} received {date}. File opened. Send here: photos of the damage, police report or case number, repair quote or invoice. I submit to the insurer as soon as they arrive. Wanjiru, {cabinet}
Formal (UK commercial)
The brokerage
Dear {prenom}, we acknowledge receipt of the claim notification under your business's {contrat} policy, logged on {date}.
The claim has been notified to the insurer. For its assessment, please send the signed claim form, evidence of the loss and, where applicable, the emergency services report. {conseiller} will let you know if a loss adjuster is appointed.
Kind regards, Emma, {cabinet}
Claim acknowledgement on WhatsApp: the first message after a client reports a loss : learn more →
Claim status update: keeping the client informed on WhatsApp while the claim runs
WhatsApp template to update a client on their insurance claim: assessor appointed, insurer decision, settlement paid, or simply no news yet, with no promises.
Plain (assessor appointed)
The brokerage
Hi {prenom}, update on your {contrat} claim: the insurer has appointed an assessor, who will contact you to arrange a visit around {date}.
Have the invoices and photos you already sent to hand; nothing else to do for now. I will be back to you as soon as their report is in.
Naledi, {cabinet}
Warm (no news yet)
The brokerage
Hi {prenom}, Lerato from {cabinet}. No word from the insurer yet on your {contrat} claim, but I haven't forgotten you: I chased them again this morning.
I'll update you by {date} at the latest, with or without an answer from their side. If anything changes on yours before then, message me here.
Lerato
Short (settlement paid)
The brokerage
{prenom}, good news: the insurer has approved settlement of your {contrat} claim, {montant}, paid by EFT on {date} to the account you gave us. Let me know when it reflects. Sipho, {cabinet}
Formal (commercial, insurer decision)
The brokerage
Dear {prenom}, the insurer has sent us its decision on your business's {contrat} claim: the loss adjuster's report is attached, together with the letter setting out the items accepted and the amount offered, {montant}.
We suggest you review both before {date}. {conseiller} is available to go through them with you and, if warranted, to put representations to the insurer.
Kind regards, James, {cabinet}
Claim status update: keeping the client informed on WhatsApp while the claim runs : learn more →
Requesting documents from a client on WhatsApp: the list that comes back complete
WhatsApp message template to request documents from an insurance client: numbered list, expected format, deadline, and what should never be collected on WhatsApp.
Plain
The brokerage
Hi {prenom}, to finalise your {contrat} we need three documents:
1. ID document or passport
2. Driver's licence
3. Claims history letter from your current insurer
Send them here as clear photos or PDFs before {date}. Thanks,
Naledi, {cabinet}
Warm
The brokerage
Hi {prenom}, Thabo from {cabinet}. Your {contrat} file is nearly there; all that's missing is the vehicle registration document and a proof of address under three months old.
A well-framed photo of each is enough. As soon as I have them I'll put the cover in place and send your schedule here.
Thabo
Short (mobile-first)
The brokerage
{prenom}, for your {contrat}: send here 1) ID, 2) logbook, 3) photo of the odometer. Before {date} so cover starts on time. Wanjiru, {cabinet}
Formal (commercial, FICA / KYC refresh)
The brokerage
Dear {prenom}, as part of the regulatory refresh of your business's {contrat} file, the insurer requires: the company registration certificate, the identity document of the authorised signatory, and the list of beneficial owners.
Please upload these before {date} via the secure link {conseiller} sent you by email; this WhatsApp channel remains open for any question about the process.
Kind regards, Emma, {cabinet}
Requesting documents from a client on WhatsApp: the list that comes back complete : learn more →
Confirming receipt of a client's documents on WhatsApp
WhatsApp template confirming that a client's documents have arrived: what is complete, what is missing or unreadable, and what happens next, sent within the window.
Plain
The brokerage
Hi {prenom}, received for your {contrat}: ID, driver's licence and claims history letter. The file is complete.
I am submitting it to the insurer today; you will get the schedule here by {date} at the latest.
Naledi, {cabinet}
Warm (item missing)
The brokerage
Thanks {prenom}, everything came through except one detail: the photo of the registration document is cut off at the bottom, so the first registration date is not visible.
Could you resend it in full? As soon as I have it, I'll finalise your {contrat} and keep you posted.
Lerato, {cabinet}
Short (mobile-first)
The brokerage
{prenom}, received: ID, logbook, odometer photo. {contrat} file complete, sent to the insurer. Schedule here before {date}. Thank you! Wanjiru, {cabinet}
Formal (commercial)
The brokerage
Dear {prenom}, we acknowledge receipt of the documents provided for your business's {contrat} file: company registration certificate, signatory's identity document and beneficial owner list.
The file is complete and has been submitted to the insurer today. {conseiller} will confirm once the update is processed, expected before {date}.
Kind regards, James, {cabinet}
Confirming receipt of a client's documents on WhatsApp : learn more →
New client welcome message on WhatsApp: setting expectations from day one
WhatsApp welcome template for a new insurance client: who their representative is, what the number is for, how to claim, with opt-in reminder and office hours.
Plain
The brokerage
Hi {prenom}, welcome to {cabinet}. Your {contrat} policy has been in force since {date}.
This is the brokerage number: you will receive premium reminders and documents here, and you can report a claim or ask a question at any time. Your representative is {conseiller}. To stop messages on this number, simply reply STOP.
Naledi
Warm
The brokerage
Hi {prenom}, Thabo from {cabinet}. Thank you for choosing us, and welcome!
Your {contrat} starts on {date}. Save this number: it's where I'll send your documents and reminders, and where you can message me with any question, however small. I reply on weekdays between 08:00 and 17:00.
Speak soon, Thabo
Short (mobile money, East Africa)
The brokerage
Karibu {prenom}! Your {contrat} with {cabinet} is active from {date}. Keep this number: premium reminders, certificates and claims all come through here. Premiums are paid only to the {cabinet} paybill, never to a personal number. Wanjiru
Formal (UK commercial)
The brokerage
Dear {prenom}, on behalf of {cabinet}, welcome. Your business's {contrat} policy has been in force since {date}.
This business WhatsApp channel lets you reach {conseiller}, your dedicated account handler, for mid-term adjustments, certificates and claim notifications. Your policy documents and our terms of business have been sent to you by email on a durable medium.
Kind regards, Emma, {cabinet}
New client welcome message on WhatsApp: setting expectations from day one : learn more →
Asking a client for WhatsApp opt-in: message template
Message template to capture a client's WhatsApp consent the right way: service and marketing consent kept separate, POPIA and PECR notes, variants for SA and UK.
Plain (after the client's first message)
The brokerage
Hi {prenom}, thanks for getting in touch. So that {cabinet} can message you here about your policies (premium reminders, policy schedules, claim updates), I need your go-ahead.
Reply YES to receive these service messages on WhatsApp. You can stop them at any time by replying STOP.
{conseiller}, {cabinet}
Warm (after a face-to-face meeting)
The brokerage
Hi {prenom}, good to meet you this morning. As discussed, I'd suggest we keep in touch here: it is the easiest way for me to send your documents and answer questions quickly.
May I use this number for anything to do with your {contrat} policy? A simple "yes" is enough, and you can change your mind whenever you like.
Speak soon, {conseiller}
Short (Kenya or Zambia, client came in via QR code)
The brokerage
Hello {prenom}, this is {conseiller} from {cabinet}. Happy to receive your policy updates for {contrat} on WhatsApp (premium due dates, receipts, cover confirmation)? Reply 1 for YES, 2 for NO. Reply STOP at any time to opt out.
Formal (commercial client, compliance-minded)
The brokerage
Good morning {prenom}, thank you for your reply. To formalise our communication, {cabinet} proposes using this business WhatsApp line for the day-to-day servicing of policy {contrat}: endorsements, certificates of insurance, claim notifications and renewal schedules.
Could you confirm with "I agree" that this number may be used for that purpose? Messages are retained under our record-keeping policy and you may withdraw this consent at any time.
Kind regards, {conseiller}
Two separate consents (servicing, then marketing)
The brokerage
Hi {prenom}, thanks for writing to us. Two quick questions so we respect your choices:
1. May we send you messages about your policies here (premiums, documents, claims)? YES / NO
2. Would you also like to hear, a few times a year, about cover we think could suit you? YES / NO
You can answer "1 yes, 2 no", for instance. Either choice can be changed at any time.
{conseiller}, {cabinet}
Asking a client for WhatsApp opt-in: message template : learn more →
Proposing health cover to an existing client on WhatsApp
WhatsApp marketing template for brokers offering health cover to existing motor or household clients: gap cover, hospital cash plans, PMI, opt-in rules.
Plain (South Africa, motor client, gap cover)
The brokerage
Hi {prenom}, {conseiller} from {cabinet}. We look after your {contrat} policy but not your medical costs. If you are on a medical scheme, the shortfall between what specialists charge and what the scheme pays is what gap cover is built for, and it is usually modest per month.
If you would like, I can check which gap cover options fit your scheme plan. Reply GAP and I will ask you three quick questions.
Warm (family, East Africa, mobile money)
The brokerage
Hello {prenom}, it's {conseiller} from {cabinet}. You mentioned that hospital bills for the children have been heavy this year. We offer a family medical plan that covers consultations, medicines and admissions at partner hospitals, with the hospital billing us directly.
Premiums are paid monthly by M-Pesa or mobile money. Shall I walk you through the limits and the hospitals near you? Reply YES and I will call.
Short (question with buttons)
The brokerage
Hi {prenom}, {cabinet} here. Do you currently have medical cover for yourself and your family?
— Yes, I'm covered
— Not yet
— I'd like to talk
Your answer helps me suggest only what is missing. {conseiller}
Formal (SME owner, group scheme)
The brokerage
Good morning {prenom}, I am writing about medical benefits for your staff. Many small employers lose good people to competitors offering a medical contribution, and a group arrangement is often more affordable than individual cover.
{cabinet} can review your existing benefits or put a scheme in place: options, employer contribution, onboarding of employees. Would a thirty-minute call on the subject be useful?
Kind regards, {conseiller}
UK (self-employed client, private medical insurance)
The brokerage
Hi {prenom}, {conseiller} at {cabinet}. As you are self-employed, a long NHS wait for a non-urgent procedure means lost income. Private medical insurance or a simpler cash plan can cover consultations, diagnostics and treatment, with underwriting options that keep premiums sensible.
Happy to compare a few policies against what matters to you. Reply PMI and I will send three short questions. No obligation.
Proposing health cover to an existing client on WhatsApp : learn more →
Re-engaging a silent client on WhatsApp: message template
WhatsApp template to reconnect with an insurance client who has gone quiet: when to send, marketing opt-in rules, plain and warm variants, pitfalls.
Plain
The brokerage
Hi {prenom}, {conseiller} from {cabinet}. It has been a while since we spoke about your {contrat} policy. Things may have changed on your side: vehicle, home, family, work.
A ten-minute check is enough to confirm your cover still fits and that we hold the right contact details. Reply here whenever suits you.
Warm
The brokerage
Hi {prenom}, hope you are well! I realised we have not spoken in a long time, and I would rather check in before renewal than during it.
Nothing urgent: if anything has changed for you this year, tell me and I will see what needs adjusting on {contrat}. If not, have a great day.
{conseiller}, {cabinet}
Short (Southern Africa)
The brokerage
Hello {prenom}, {conseiller} at {cabinet}. Your {contrat} policy is still active. All well your side? If your number, address or vehicle has changed, reply here and I will update the record.
Formal (commercial client, UK)
The brokerage
Good morning {prenom}, I am getting back in touch on behalf of {cabinet}. We have not reviewed policy {contrat} together for several months, and businesses change: headcount, premises, equipment, turnover.
I would suggest an annual cover review, by video call or at your offices, to make sure no new activity sits outside the policy. Which week would suit you?
Kind regards, {conseiller}
Question with buttons
The brokerage
Hi {prenom}, {cabinet} here. To look after {contrat} properly, one quick question: what has changed for you in the past year?
— Nothing in particular
— Moved home / new vehicle
— Family / work
I will come back to you based on your answer. {conseiller}
Re-engaging a silent client on WhatsApp: message template : learn more →
Post-claim satisfaction survey on WhatsApp: message template
WhatsApp template to measure client satisfaction once a claim is closed: timing, three-button question, repudiated claims, handling unhappy replies.
Plain
The brokerage
Hi {prenom}, your claim on policy {contrat} was closed on {date}. To improve our service, could you tell us how {cabinet} handled it?
— Happy
— Mixed
— Unhappy
A line on what could have gone better helps a great deal. Thank you, {conseiller}
Warm
The brokerage
Hi {prenom}, I hope everything is back to normal after your claim. It was a stressful time and I wanted to know whether we did right by you: turnaround, explanations, settlement.
On a scale of 1 to 5, how would you rate the way we looked after you? And if anything annoyed you, tell me straight, that is what helps us improve.
{conseiller}, {cabinet}
Short (mobile money, East Africa)
The brokerage
Hello {prenom}, {cabinet}. Your settlement of {montant} for claim {contrat} was paid on {date}. Did it reach your M-Pesa or bank account? And how was the claim handled: 1 = poor, 5 = excellent? Thanks, {conseiller}
Formal (commercial fleet)
The brokerage
Good morning {prenom}, the claim on policy {contrat} notified on {date} has now been finalised. As part of our service review, {cabinet} would value your feedback on three points: the responsiveness of the claims handler, the clarity of information passed to your drivers, and the time taken to return the vehicle to service.
A score of 1 to 5 per point, or a few lines, is all we need. Your comments are raised with the insurer at our quarterly review.
Kind regards, {conseiller}
After a repudiated claim
The brokerage
Hi {prenom}, I know the insurer's decision on your {contrat} claim was not the one you hoped for. Even so, your view matters: did you understand the reasons given and the options open to you? Were we available enough?
Reply in your own words or with a score of 1 to 5. If you want to dispute the decision, I will explain the complaints route, including the Ombudsman.
{conseiller}, {cabinet}
Post-claim satisfaction survey on WhatsApp: message template : learn more →
Policy anniversary: offering a cover review on WhatsApp
WhatsApp template for a policy anniversary: propose a cover review before renewal, with variants for personal, family and commercial clients and the marketing rules.
Plain
The brokerage
Hi {prenom}, your {contrat} policy reaches its first anniversary on {date}. Before it renews, I suggest a fifteen-minute check that the cover, excesses and premium still match your circumstances.
Send me two times that suit you, or reply "nothing has changed" and I will renew as is.
{conseiller}, {cabinet}
Warm
The brokerage
Hi {prenom}, a year already since you trusted us with {contrat}, thank you! As every year, I am going through your file before {date}: new car, building work, a baby, a change of job, any of these can change what you need, up or down.
If anything has changed, tell me here; if not, I will confirm the renewal with nothing for you to do.
{conseiller}
Short (South Africa, monthly debit order)
The brokerage
Hi {prenom}, {cabinet} here. {contrat} has been running for a year on {date}. Quick yearly check: are the sums insured, vehicle value and address still right? Reply YES to keep everything as is, or tell me what changed. {conseiller}
Formal (commercial lines, UK)
The brokerage
Good morning {prenom}, policy {contrat} reaches its anniversary on {date}. As part of our service, {cabinet} proposes the annual review: updated turnover and headcount, schedule of premises and equipment, any new activities, and this year's claims experience.
These details drive both the premium and the validity of cover at claim stage. I can send a short questionnaire or we can meet; which do you prefer?
Kind regards, {conseiller}
Multi-policy
The brokerage
Hi {prenom}, {conseiller} from {cabinet}. You hold several policies with us, with renewal dates scattered across the year. On the anniversary of {contrat}, on {date}, I suggest we look at them together: possible overlaps, gaps, and aligning renewal dates if that makes life simpler.
A twenty-minute call is enough. When are you free?
Policy anniversary: offering a cover review on WhatsApp : learn more →
A client has a new baby: congratulations and family protection on WhatsApp
WhatsApp template when a client has a new baby: congratulations, adding the child as a dependant, life and funeral cover review, with SA and UK variants and limits.
Warm
The brokerage
Hi {prenom}, congratulations on the new arrival! Wishing you lots of joy, and some sleep.
When you have a moment, two practical things: registering the baby as a dependant on your medical cover so they are protected from now, and a look at your life cover, which means something different once you are a parent. I will handle it all; I only need the birth certificate.
{conseiller}, {cabinet}
Plain
The brokerage
Hi {prenom}, congratulations on the birth of your child. To make sure the baby is covered without delay, they need to be registered as a dependant on {contrat}; a birth certificate is enough, send it to me here.
I would also suggest checking your life cover and the beneficiary nomination while we are at it. Let me know if you would like me to prepare that.
{conseiller}, {cabinet}
Short (East Africa, family medical plan)
The brokerage
Congratulations {prenom} on the baby! To add them to your family medical plan {contrat}, send me the birth notification and a photo. The monthly premium adjusts; I will confirm the new amount before you pay by M-Pesa or mobile money. {conseiller}, {cabinet}
Formal (UK)
The brokerage
Good morning {prenom}, on behalf of {cabinet}, congratulations on the birth of your child. To keep your records current, could you send a copy of the birth certificate so the child can be added as a dependant on policy {contrat} where applicable.
This event also warrants a review of your life cover and income protection, and of any beneficiary nomination or trust arrangement. I would be glad to arrange a short call at your convenience.
Kind regards, {conseiller}
Congratulations only (client without marketing consent)
The brokerage
Hi {prenom}, I have just heard the news: congratulations to you both! Look after yourselves, and message me here if you need anything at all on your policies. {conseiller}, {cabinet}
A client has a new baby: congratulations and family protection on WhatsApp : learn more →
Adding a vehicle to a fleet policy: WhatsApp messages for the fleet manager
WhatsApp templates for adding a vehicle to a commercial fleet policy: documents to request, acknowledgement, endorsement confirmation, certificate of insurance.
Plain (acknowledgement and documents)
The brokerage
Hi {prenom}, thanks, I have your request to add a vehicle to fleet policy {contrat}. To issue the endorsement, please send me here: the registration certificate (or invoice and VIN if the vehicle is new), the intended use, the regular drivers and the date you need cover from.
As soon as I have them I will pass them to the insurer and confirm.
{conseiller}, {cabinet}
Short
The brokerage
Hi {prenom}, {cabinet}. To add the vehicle to {contrat} I need the registration document, the use and the date it goes on the road. Send them here and I will confirm the endorsement today. {conseiller}
Missing information (South Africa)
The brokerage
Hi {prenom}, I have the registration papers for the vehicle, thank you. I still need the declared use and the retail value to finalise the endorsement on {contrat}.
The additional premium of {montant} will be collected with the next debit order; the insurer confirms cover once the endorsement is issued, which I will send you. Until then, please treat the vehicle as not yet on the schedule.
{conseiller}, {cabinet}
Formal (endorsement confirmation, UK)
The brokerage
Good morning {prenom}, I confirm the addition of the vehicle to fleet policy {contrat} by endorsement, effective {date}. The additional premium is {montant} for the current period and will be invoiced under the policy's payment terms.
The certificate of motor insurance for the vehicle is attached. Please ensure the vehicle is added to the Motor Insurance Database within the period required. The signed endorsement will follow once received from the insurer.
Kind regards, {conseiller}, {cabinet}
Vehicle added, certificate attached (busy fleet manager)
The brokerage
{prenom}, done: the vehicle is on cover under {contrat} from {date}. Certificate attached, print it for the driver. The endorsement follows by email. Safe travels, {conseiller}
Adding a vehicle to a fleet policy: WhatsApp messages for the fleet manager : learn more →
Failed debit order: telling the client on WhatsApp before the policy lapses
WhatsApp utility template for an unpaid debit order or failed premium payment: early notice, a concrete fix, variants for South Africa, mobile money and the UK.
Plain (South Africa, unpaid debit order)
The brokerage
Hi {prenom}, the debit order of {montant} on {date} for your {contrat} policy was returned unpaid by your bank. This often comes down to timing around pay day.
To fix it, I can ask the insurer to re-run the debit order on a date you choose, or send you banking details for an EFT with {contrat} as reference. Let me know which works, and please check that the DebiCheck mandate was not disputed by mistake.
{conseiller}, {cabinet}
Warm
The brokerage
Hi {prenom}, small hiccup: the premium of {montant} due on {date} for {contrat} did not go through. No panic, nothing has lapsed at this stage, but I would rather tell you now than let the insurer's letter reach you first.
Would you prefer a re-run next week or an EFT? I will sort out the rest.
{conseiller}, {cabinet}
Short (mobile money, East Africa)
The brokerage
Hello {prenom}, {cabinet}. The premium of {montant} for {contrat} due on {date} was not received. You can pay by M-Pesa or mobile money to the brokerage paybill, using {contrat} as the account number. I will send your receipt once confirmed. Without payment the cover cannot respond. {conseiller}
Formal (commercial client, accounts department)
The brokerage
Good morning {prenom}, please note that the debit order of {montant} presented on {date} under policy {contrat} was returned unpaid by your bank. The reason given is "insufficient funds", which may simply reflect a cash-flow timing issue.
To avoid the insurer issuing a formal notice, we would be grateful for payment by EFT within seven days, reference {contrat}, or for a date on which the debit order may be re-presented.
Kind regards, {conseiller}, {cabinet}
UK direct debit under premium finance
The brokerage
Hi {prenom}, {conseiller} at {cabinet}. The direct debit of {montant} on {date} for your {contrat} policy was returned by your bank. Because the premium is financed, the finance provider will also contact you and may charge a fee under your agreement.
The quickest fix is to make the payment through the link or bank details in your finance welcome pack, then let me know so I can confirm with the insurer. Call me if you would like to talk it through.
Failed debit order: telling the client on WhatsApp before the policy lapses : learn more →
Referral invitation: asking a happy client to recommend the brokerage
WhatsApp template inviting a satisfied client to refer friends or colleagues to the brokerage: timing, a low-effort ask, SA and UK variants, and regulatory limits.
Plain
The brokerage
Hi {prenom}, thank you for your feedback on how we handled {contrat}. If anyone around you is looking for a broker, you can simply forward them this contact: they just need to message me here and mention it is from you.
No obligation, of course. It is the most natural way {cabinet} grows.
{conseiller}
Warm
The brokerage
Hi {prenom}, your message last week made my day, thank you! One small ask: if a friend, colleague or family member is under-insured or badly advised, tell them about us. They can message me directly on this number.
I will look after them the way I look after you. And if you would rather keep things separate, I completely understand.
{conseiller}, {cabinet}
Short (Southern Africa)
The brokerage
Hi {prenom}, {conseiller} from {cabinet}. Thanks for trusting us with {contrat}. If someone you know needs car, home or funeral cover, forward them this number: I will advise them at no cost. Much appreciated!
Formal (business owner, UK)
The brokerage
Good morning {prenom}, {cabinet} thanks you for renewing your confidence in us on policy {contrat}. Our firm grows mainly through recommendations from the business owners we serve.
Should a peer, supplier or partner wish to have their commercial policies reviewed, we would be pleased to hear from them. They may contact me directly on this line and mention your name.
Kind regards, {conseiller}
After a good satisfaction score
The brokerage
Hi {prenom}, thank you for the score you gave us on your claim. One simple question: do you know someone who would benefit from the same support? If so, pass them my number; if not, thank you again and have a good day.
{conseiller}, {cabinet}
Referral invitation: asking a happy client to recommend the brokerage : learn more →
Appointment reminder on WhatsApp: template for a brokerage
WhatsApp appointment reminder template for insurance brokers: the day before and two hours ahead, documents to bring, video calls, personal and commercial variants.
Plain (day before)
The brokerage
Hi {prenom}, confirming our appointment tomorrow {date} with {conseiller} at the {cabinet} office, about {contrat}. Expected length: about thirty minutes.
Please bring your ID and the documents we discussed. If something comes up, just reply "reschedule" and I will offer another slot.
Short (two hours ahead)
The brokerage
{prenom}, quick reminder: meeting in two hours with {conseiller} at {cabinet}. Need to move it? Reply here. See you shortly!
Warm
The brokerage
Hi {prenom}, looking forward to seeing you tomorrow {date} to go through {contrat}. Allow half an hour; the coffee is on us. If you can dig out your latest policy schedule, great; if not, no problem, we will work with what we have.
See you tomorrow, {conseiller}
Formal (commercial client, video call, UK)
The brokerage
Good morning {prenom}, I confirm our meeting on {date} by video call to review your company's policy {contrat}. The joining link was sent by email; I am happy to resend it here on request.
To make the most of the session, please have ready: current headcount, schedule of premises, last financial year's turnover and any claims since our previous review.
Kind regards, {conseiller}, {cabinet}
With documents to bring (motor cover, Southern Africa)
The brokerage
Hi {prenom}, {cabinet} expects you tomorrow {date} for your car insurance. Please bring: vehicle registration papers, driver's licence, ID and, if you have one, your previous policy schedule. The first premium of {montant} is collected by debit order; the mandate is set up at the meeting. {conseiller}
Appointment reminder on WhatsApp: template for a brokerage : learn more →
Sending a certificate of insurance on WhatsApp: message template
WhatsApp template for sending a certificate of insurance or confirmation of cover as a PDF: motor, fleet, liability; checks before sending, wording, common mistakes.
Plain (personal motor)
The brokerage
Hi {prenom}, attached is your certificate of insurance for policy {contrat}, valid until {date}. Please check that the registration and your name are correct and tell me if anything needs changing.
Keep it on your phone and print a copy for the vehicle.
{conseiller}, {cabinet}
Short
The brokerage
{prenom}, your {contrat} certificate is attached, valid until {date}. Any doubt about a detail? Reply here. {conseiller}, {cabinet}
Formal (fleet schedule, UK)
The brokerage
Good morning {prenom}, please find attached the certificate of motor insurance for fleet policy {contrat}, together with the schedule of vehicles on cover as at {date}. Each driver should carry a copy for their vehicle.
Any vehicle missing from this schedule must be declared to us before it is used on the road, and added to the Motor Insurance Database. Please let me know of any discrepancy.
Kind regards, {conseiller}, {cabinet}
Confirmation of cover letter (South Africa, finance house or landlord)
The brokerage
Hi {prenom}, attached is the confirmation of cover letter for {contrat}, issued by the insurer on {date}. It shows the insured item, the sum insured and the noted interest of the bank, which is what the finance house asked for.
If they need a specific wording or a different addressee, send me their request and I will get a revised letter from the insurer.
{conseiller}, {cabinet}
Certificate for a third party (contractor, principal)
The brokerage
Hi {prenom}, here is the liability certificate for policy {contrat}, issued as at {date}, showing the declared activities and the limits of indemnity. It is intended for your principal contractor.
If they require particular wording (site name, minimum limit, indemnity to principals), let me know and I will request a specific certificate from the insurer.
{conseiller}, {cabinet}
Sending a certificate of insurance on WhatsApp: message template : learn more →
Closing a WhatsApp conversation with a client: message template
Message template to close a WhatsApp conversation with an insurance client properly: recap, next step and date, how to reach the brokerage, variants and mistakes.
Plain
The brokerage
Thanks {prenom}, to recap: your request on {contrat} was sent to the insurer today and I will confirm the outcome by {date}. Nothing is outstanding from your side.
If you have a question in the meantime, message me here; for anything urgent, call the {cabinet} office. Have a good day, {conseiller}
Warm
The brokerage
Perfect {prenom}, all sorted! I have updated your address on {contrat} and the amended schedule will be with you by {date}. Thanks for coming back so quickly, it makes everything easier.
I will leave you in peace, but I am here if you need me. Enjoy the rest of your day, {conseiller}
Short (debit order confirmation, South Africa)
The brokerage
Thanks {prenom}. Recap: first premium of {montant} will be collected by debit order on {date}, reference {contrat}. Once it goes through I will send your policy schedule here. {conseiller}, {cabinet}
Formal (commercial client)
The brokerage
Thank you, {prenom}. In summary of our exchange: the notification relating to policy {contrat} has been logged, the insurer was instructed today and a response is expected by {date}. I will revert on this channel on receipt, or sooner if any further information is required.
{cabinet} remains reachable by telephone during office hours for anything urgent.
Kind regards, {conseiller}
Provisional close (silent client, window about to end)
The brokerage
Hi {prenom}, I am closing this thread for now so as not to clutter your phone. Where we stand on {contrat}: your request is noted, and I still need your previous policy schedule to move forward. Send it here whenever you have it and I will pick up straight away. {conseiller}, {cabinet}
Closing a WhatsApp conversation with a client: message template : learn more →
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