Procedure Sheet

Quote to add a Second Car

Or other change that makes it to expensive

to add or change to current company

This procedure sheet is to be followed whenever we need to cancel a current policy in order to start new coverage. This can be when a customer asks to make a change to their coverage that the current company will not accept, or would result in an increase we can’t sell.



1. Pull the folder and look at the current policy.

2. Take down the information, and then give the “Add-on Sheet” and QuotePro quote to a salesperson to work out a quote.

3. If the change will work at the existing company, then it can be handled as a standard $ Endorsement.

4. If it is too expensive to add to the current company (Or they will not accept the change) then through away the “Add-on Sheet” and just use the QuotePro quote as the face sheet.

5. If the customer agrees to the change; then it be comes a Cancel Rewrite.

6. Check if the rate on the current policy came in higher than we quoted, we do not want to make the same mistake again. (Maybe they had a bad MVR, or a more deluxe car than we thought; now that we know that- we should not make the same mistake.)

7. We must inform the person they will need to send a request to cancel their current policy (they can fax or email a request, or we can fax them a to sign Form )

8. We must get a check from Jerry for the credit to apply toward rewrite.

9. The down payment must meet our requirements (not less than 20% on a year policy and 25% on a 6 month policy). We need additional down payment to add to the credit to equal at least the required amount.

10. The new sheet and the Cancellation Sheet MUST BOTH STATE WHY THE POLICY WAS CANCLED AND REWRITEN.

11. The Cancellation MUST STATE the amount of the cancellation and how and where that credit was applied.

12. The New Order must show the amount of canceled credit that was applied and used as a part of the down payment.









Notice 11/17/11

Check renewal date when making Policy Changes

Procedure Sheet

Change Of Address, Car or Drivers

This applies to both $ endorsements as well as non $ Endorsements

1. We Must ALWAYS Check the renewal date.



2. If the policy expires within 45 days; we must make a copy of the endorsement request an attach it to the insurance Company Renewal Quote. (Failing to do this will result in us sending a Renewal quote based on the wrong information.)



3. If we already quoted the renewal, then we must work out and send a “Revised Renewal Quote”



Notice 11/17/11

Old Customer/ what to check

Old Customer calling for quote

When a person calls looking for a quote, we need to ask them if they currently have insurance, if they do we need to find if that insurance is through us.

Wonderful - we will be happy to start coverage again.

1. Pull the folder and look at the last policy.

2. Check if the rate came in higher than we quoted, We do not want to make the same mistake again. Maybe they had a bad MVR, or a more deluxe car than we thought; now that we know that- we should not make the same mistake.

3. Because a customer was irresponsible and let their policy get cancelled- we do not need to “REWARD” them by offering a rate lower than before.

I don’t want to be seen as “Penalizing” a customer for having their policy cancelled, but at the same time I don’t need to reward them. I find I can usually not even give a quote, but just tell them they need to send in $_________, to get coverage up again.


We are trying to avoid the following problems:

1. It turns out they are currently covered by Urban.

2. They were dropped or non-renewed by a company, and we don’t want to make the mistake of quoting or placing coverage back there again.

3. I don’t want to replace a new policy at a lower rate and or commission then the prior policy. (There will be some limited exceptions).

4. We know more about an old customer than we do with strangers. If the person had 4 points in March, then the policy got cancelled in June, now when they come back to Urban in July, they will still have those 4 points.

5. The customer has a history of making a down pay, then never making payments, then make sure we get a strong down payment

On someone we never insured before, we have a “Chance” to go back and rebill based on “Uncovering info” but if we had them before, they will not pay any rebill stating that we should have know about the MVR.

Jerry or I need to see these Old Customer quotes prior to quoting

Notice 11/17/11



Cancel, Customer or Underwriting Request

Procedure Sheet

Underwriting & Customer Request Cancellation

This procedure sheet is to be followed whenever a policy is canceled at a customer’s request,

or by the company due to some underwriting reason.

1. Pull the folder and check UIPP to see if the policy is “Paid in Full” or Account Current. If so Give to Jerry the Request and the folder



2. If the status is Past Due, Intent, Cancel Request Pending or Cancel Request Sent; then give the paperwork and folder to who ever is handling U.I.P.P.

3. UIPP should Change Status to Cancel Request Sent

4. Next find the Cancelation Hanging and compute and mark cancelation figures

Notice 11/17/11

Cancel to Rewrite

Procedure Sheet

Cancel and Rewrite

This procedure sheet is to be followed whenever we need to cancel a current policy in order to start new coverage. This can be when a customer asks to make a change to their coverage that the current company will not accept, or would result in an increase we can’t sell.


1. Pull the folder and look at the last policy.

2. Check if the rate came in higher than we quoted, we do not want to make the same mistake again. (Maybe they had a bad MVR, or a more deluxe car than we thought; now that we know that- we should not make the same mistake.)

3. Do a new quote Sheet based on the New Information.

4. We must get a check from Jerry for the credit to apply toward rewrite.

5. The down payment must meet our requirements (not less than 20% on a year policy and 25% on a 6 month policy). We need additional down payment to add to the credit to equal at least the required amount.

6. The new sheet and the Cancellation Sheet MUST BOTH STATE WHY THE POLICY WAS CANCLED AND REWRITEN.

7. The Cancellation MUST STATE the amount of the cancellation and how and where that credit was applied.

8. The New Order must show the amount of canceled credit that was applied and used as a part of the down payment.









Notice 11/17/11

Medicar Businesses to call

Objections, What to Say