2.8× renewal rate on motor policies. At ₹6 per call.
IRDAI-compliant renewal reminders in Hindi, Marathi, and Hinglish — outperforming the entire broker team.
The challenge
A Pune-based insurance distributor was relying on relationship managers to manually call policyholders for motor insurance renewals. Coverage was patchy — RMs prioritised high-premium policies, leaving smaller policies to lapse. With 50,000+ active motor policies across Maharashtra, manual outreach could only reach 12% of expiring policies. Renewal rate was 41%.
The solution
Agni was trained on the insurer's product catalog, premium calculations, and common renewal objections (competitor comparison, price increase, no-claim discount queries). The system automatically calls every policy 22 days, 10 days, and 3 days before expiry.
Calls happen in the policyholder's detected language — Hindi, Marathi, or Hinglish — with IRDAI-compliant disclosures at the opening. Agni can quote the renewal premium, explain NCB calculations, and direct policyholders to a payment link during the live call.
No RM involvement unless a policyholder explicitly requests a callback.
“We're now calling every policy, not just the ones RMs remember. The Marathi-speaking cohort — which we'd basically ignored — has a higher renewal rate now than our English-speaking customers.”
— Operations Head, Insurance Distributor (Pune)
The results
Outreach coverage went from 12% to 94% of expiring policies. Renewal rate climbed from 41% to 73% — a 2.8× improvement. Cost per outbound call: ₹6 all-in. The RM team now handles only high-value commercial policy renewals.
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