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Every policyholder call answered. The routine ones resolved.

Renewals, mid-term adjustments, claims and ID checks make up most of your call volume. DigitalWell AI Voice Agents handle them end-to-end on the phone system you already have, so your team's time goes to the calls that need a person.

DigitalWell - Insurance Brokers

Insurance can't afford a queue.

A missed call is a lost renewal. A mid-term adjustment stuck on hold gives a customer a reason to take a competitor's call at renewal. And a claimant who can't get an update rings back three more times, then rates you on the wait rather than the settlement.

 

Renewals leak while the phone rings out

Renewal season is won and lost on the phone. When hold times climb at peak, customers who fully intended to renew start shopping instead, and a book built over years leaks a few percent a month. Most brokers also can't say why customers are calling in the first place, so they can't see which broken journey is driving the repeat contact.

Insurance customer taking a renewal call at her kitchen table

Renewal season is won and lost on the phone. When hold times climb at peak, customers who fully intended to renew start shopping instead, and a book built over years leaks a few percent a month. And most brokers can't say why customers are calling in the first place, so they can't see which broken journey is driving the repeat contact.

Volume grows faster than the headcount budget, and in a tight labour market you may not be able to hire your way out of it anyway. A phone-assisted mid-term adjustment costs roughly €15–€20 in agent time, systems and admin and a large share of the calls arriving every day are exactly that: address changes, policy documents, premium questions.

A different phone system in each office. Front office and back office on separate platforms. Payment calls create a compliance headache every time. No single view of what is actually happening across the operation, and a small in-house IT team carrying it all.

Consolidation is the story of this market, and every deal brings another contact centre to absorb. On legacy infrastructure, that means hardware, site engineering and a bespoke integration project each time, while the acquired team keeps working differently from everyone else.

Claims are where the relationship is decided, and where the calls are hardest: first notification of loss, status chasing, document requests. A claimant who can't get an update rings back three or four times and judges the whole experience on the wait, not the settlement.

The Central Bank of Ireland or the FCA requires you to account for every customer interaction and to keep card data out of call recordings. Doing that manually adds steps to every agent's day and still leaves gaps you can't evidence when someone asks.

The calls AI Voice Agents take off your queue

High-volume, rules-based calls, completed on the call rather than logged for later.

01Mid-term adjustments+

“I’ve changed my car.”

Verifies the caller, takes the payment and updates the policy record in a single call, with a full audit trail.

02Identity verification+

“I need to talk about my policy.”

Callers are verified automatically before anything policy-linked happens, so calls that need a person arrive pre-verified.

03Renewal and policy queries+

“What’s my premium this year?”

Answered from live policy data, 24/7, including cover questions and policy document requests.

04First notice of loss and claims updates+

“I’ve had an accident.”

Captures the incident details, logs the claim directly into your claims system, and answers status questions against live data, with no callback.

05Document reading+

“I’ve sent you my documents.”

Reads documents the caller uploads and pulls out the details you need for the policy record. Which documents, and how callers upload them, is set up around your process.

 

Mid-term adjustments

“I've changed my car.” The AI Voice Agent verifies the caller, takes the payment and updates the policy record in a single call, with a full audit trail.

Identity verification

“I need to talk about my policy.” Callers are verified automatically before anything policy-linked happens, so calls that need a person arrive pre-verified.

Renewal and policy queries

“What's my premium this year?” Answered from live policy data, 24/7, including cover questions and policy document requests.

First notice of loss and claims updates

“I've had an accident.” The agent captures the incident details, logs the claim directly into your claims system, and answers status questions against live data, with no callback.

Document reading

“I've sent you my documents.” The agent reads documents the caller uploads and pulls out the details you need for the policy record. Which documents, and how callers upload them, is set up around your process.

cta-service_80%_transparence

Recorded demos

Hear how an AI Voice Agent handles a call

Natural conversation, live system lookups and secure payment in a single call. The demos aren’t insurance scenarios, but the building blocks are the same ones a mid-term adjustment uses.

Three recordings: a general inquiry, a payment across integrated systems, and a purchase.

Hear the demos

No platform migration. No rip-and-replace.

Your phone system and quoting platform stay as they are. The network you’re already on becomes intelligent, and AI Voice Agents run on top of it.

01

Runs on the AI Voice Network

No change to your phone system, your numbers or your quoting platform.

02

Connects to your systems

Policy administration, payments and ID&V integrations are already built, not scoped.

03

Hands over with context

Calls that need judgement reach a person already verified, with a summary of the call so far.

Compliant today. Efficient tomorrow.

A regulated insurance operation has to evidence every interaction and take on more of them without taking on more people. Here’s how AI Voice Agents answer the questions on your checklist.

Requirement · AI call handling
✓

Every call, on record

Calls are transcribed, summarised and logged automatically, giving you and your insurers a structured record of what changed and when, whether the Central Bank of Ireland or the FCA sets the bar.

✓

PCI DSS without manual steps

Card data never reaches call recordings. Agents don’t have to pause, resume or redact anything.

✓

Transparent AI

Callers are told they’re speaking with an AI Voice Agent.

✓

A person when it matters

Callers can reach a person at any point, and complex or sensitive calls are routed to a person automatically.

✓

Data stays in the EU

Call data is processed and stored within the EU.

✓

Scale without headcount

Your book or claims volume can grow without contact centre headcount growing at the same rate.

Automated mid-term adjustment across channels

DigitalWell helps insurance brokers automate mid-term adjustments with conversational AI agents available across chat apps, your website, and your phone line.

Step 1

Automate the adjustment

A mid-term adjustment touches three separate systems: identity verification, payment processing, and the policy record itself. Brokers' back-end systems are notoriously difficult to integrate with, and we've already done it.

Three systems, one call
Identity verification Payment processing Policy record
Step 2

Cut the cost per call

A phone-assisted mid-term adjustment typically costs an insurer around €15–€20 to process, accounting for agent time, systems, and admin. Handle it with AI end-to-end, and cost drops to the marginal cost of a digital transaction.

Cost per adjustment
€15–€20 → Marginal
Step 3

Scale it across every channel

Most brokers already offer mid-term adjustments through a portal. Conversational AI lets you put the same workflow into web chat, SMS, WhatsApp, or a phone call, wherever your customers actually reach out, without building separate processes.

Same workflow, every channel
Web chat SMS WhatsApp Phone
DigitalWell - Icon - 1b

Automate the adjustment

A mid-term adjustment touches three separate systems: identity verification, payment processing, and the policy record itself. Brokers' back-end systems are notoriously difficult to integrate with, and we've already done it.
DigitalWell - Icon - 2.svg

Cut the cost per call

A phone-assisted mid-term adjustment typically costs an insurer around €15–€20 to process, accounting for agent time, systems, and admin. Handle it with AI end-to-end, and cost drops to the marginal cost of a digital transaction.
DigitalWell - Icon - 3

Scale it across every channel

Most brokers already offer mid-term adjustments through a portal. Conversational AI lets you put the same workflow into web chat, SMS, WhatsApp, or a phone call, wherever your customers actually reach out, without building separate processes.

Looking at your wider contact centre, phone system or multi-office setup?

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Insurance customer experience

See how DigitalWell supports brokers and insurers across the whole customer operation: contact centre, phone system and every office on one platform.

Frequently Asked Questions

Do we have to replace our phone system to use AI Voice Agents?

No. DigitalWell AI Voice Agents run on top of the phone system and quoting platform you already use - there is no rip-and-replace and no platform migration. The network you're already on becomes intelligent, and the AI Voice Agents run on it. That removes the usual blocker for brokers: a multi-year infrastructure project standing between you and any operational benefit.

Which insurance calls can AI Voice Agents complete end to end?

The high-volume, low-complexity calls that dominate a broker's queue. Specifically:

  • Renewal and premium queries — "what's my premium this year", answered from live policy data, 24/7.
  • Policy cover questions — "what does my policy cover", answered directly rather than queued.
  • Mid-term adjustments — changing a car, adding a driver, updating an address, including the identity check and the payment.
  • First notice of loss and claims status — incident details captured and the claim logged directly into your claims system; status checked against live data and answered immediately, with no callback.
  • Policy documents — requested and issued on the call.
  • Document reading — documents the caller uploads are read and the details added to the policy record.
  • Card payments — premiums, excess and administration fees, taken in the same interaction.

Calls that genuinely need judgement still reach a person — but the caller arrives already verified, so your agent starts the conversation instead of starting security checks.

Is AI call handling compliant with Central Bank of Ireland and FCA requirements?

Yes — and it usually improves your evidence position rather than complicating it. As a regulated broker, insurer or MGA you have to account for every customer interaction, whether the Central Bank of Ireland or the FCA sets the bar. DigitalWell transcribes, summarises and logs every call automatically, giving you and your insurers a structured record of what was changed and when. Done manually, that adds steps to every agent's day and still leaves gaps you can't evidence when someone asks.

How do AI Voice Agents take card payments without breaching PCI DSS?

Card payments for premiums, excess or administration fees are handled securely inside the same interaction, with no transfer to a separate payment line. DigitalWell's technology keeps card data out of call recordings entirely, meeting PCI DSS requirements without agents having to pause, resume or redact anything by hand — which is where manual processes typically fail an audit.

What does a mid-term adjustment cost to process, and what does AI change?

A phone-assisted mid-term adjustment typically costs around €15–€20 once agent time, systems and admin are counted. Handled end-to-end by an AI Voice Agent, the cost drops to the marginal cost of a digital transaction. Because address changes, policy documents and premium questions make up a large share of the calls arriving every day, this is where most of the saving sits — and why volume can grow without headcount growing at the same rate.

Will AI Voice Agents integrate with our policy administration system?

Yes. A single mid-term adjustment touches three separate systems — identity verification, payment processing and the policy record itself — and all three have to update for the call to be finished. Broker back-end systems are notoriously difficult to integrate with, and that is usually where automation projects stall. DigitalWell has already built those integrations, so the work is done rather than scoped.

What is a Forward Deployed Engineer, and what would one actually do in our business?

Most automation projects fail in the gap between those who understand the technology and those who understand the business. A consultancy writes the strategy, an integrator builds to the spec, and nobody owns whether it still works six months later.

We work differently. A Forward Deployed Engineer is a commercially aware technical person who works inside your operation rather than alongside it: with your renewals team, your claims handlers and your IT lead. They learn how the work actually moves, where the rekeying happens, and which system holds the answer. Then they build the automation into your environment, measure what it changed, and keep improving it.

What happens when an AI Voice Agent can't handle a call?

It hands over to a person, and the caller arrives already verified, with a summary of the call so far. No one has to repeat themselves, and your agent picks up where the AI stopped.

Will customers know they're speaking to AI?

Yes. Callers are told at the start of the call, and they can ask for a person at any point.

Ready to see this working in your operation?