Audit intermediate Works with: Any AI

Insurance Premium and Renewal Quote Audit

Table output Has example

Compare renewal premiums and policy changes with last year's cover.

The Open buttons send the prompt text as currently shown below to that site only when you click. Fill in the placeholders first.

[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.

Audit my insurance renewal. Last year's policy summary and premium: [LAST_YEAR_POLICY]. This year's renewal notice and premium: [THIS_YEAR_POLICY]. Changes in my circumstances: [MY_CHANGES]. Claims history: [CLAIMS_HISTORY].

Create a table comparing cover limits, excess, exclusions, add-ons, premium, discounts, taxes and fees. Calculate the percentage change in premium and show the arithmetic. Identify changes in wording or limits that the renewal notice may not highlight. Flag items I did not ask for. List questions to ask the insurer (why did the premium change, which factors were used, can I remove an add-on, what discounts am I missing) and the steps to compare other quotes fairly, like for like. Draft a short query to the insurer asking for the reason for the increase.

Do not recommend a particular company or product. Mark any rule on renewals [VERIFY].

Do not give me legal advice. Name no rule I did not supply. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Say when to see a professional. Threaten nothing beyond lawful steps.

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Optional: type your details and the prompt above updates. Nothing is saved or sent.

Replace each bracketed placeholder with your own details, then paste into Any AI or another assistant.

Item | Last year | This year | Change
Premium | 540.00 | 702.00 | +162.00 (+30%)
Excess | 250 | 500 | doubled
Legal expenses add-on | included | 38.00 extra | new charge
No-claims discount | 5 years | 5 years | same
Calculation: 162 / 540 = 0.30, so 30 percent. The renewal notice lists the excess increase under 'changes to your policy' on page 3 but not in the cover letter.
Questions for the insurer: why did the premium rise 30 percent with no claims? Can the legal add-on be removed, and what would the premium be with a 250 excess?

• worksheet