Skip to content
Language: English
TürkçeEnglish
Contact

Agencies

Renewal week should not be the week you learn the surprise.

In a portfolio, risk accumulates in the policy text, not in the policy count. A coverage that was included last year and has narrowed this year never shows up as a row in a table — only someone comparing the two documents sees it.

The questions you ask
  • “What might we have missed in the decision we gave our client?”

    — Agencies

  • “Is there a critical difference in this placement that could change the decision?”

    — Brokers

Check your policyTry it on one of your decisions

No account yet? POLİÇEK accounts are opened by invitation. Request access

No finding without evidence. The decision is yours.

What you can do

  • Portfolio analysis
  • Renewal analysis and coverage drift
  • Need versus opportunity
  • Customer matching and data readiness
  • Case queue and intervention log

The table is accurate, and incomplete.

A portfolio table tells you premium, expiry and line of business. It does not tell you scope. What the customer lost at renewal, which clause was dropped, which limit fell back — all of it lives in the text. POLİÇEK reads the portfolio at clause level, not row level.

Agencies

What you can do

See the coverage drift in your portfolio before renewal week, not during it.

  • Portfolio analysis

    Policies in the portfolio are analysed against a shared rule catalogue, so coverage gaps and repeating patterns become visible at portfolio level.

  • Renewal analysis and coverage drift

    Two periods of the same customer are chained together. Changed coverages, dropped clauses and reduced limits are surfaced separately. “Absent” and “excluded” are never conflated — they are different facts.

  • Need versus opportunity

    A compliance gap and a sales opportunity do not get mixed into one list. A shortfall is called by whichever of the two it actually is; the product never substitutes one for the other.

  • Customer matching and data readiness

    Records of the same person across different policies are matched, and how confident the match is stays visible. Where the data is insufficient the screen says so rather than guessing.

  • Case queue and intervention log

    A finding is queued, owned and closed. Who did what and when is recorded — it leaves an auditable trail.

See the evidence

You do not have to take POLİÇEK's word for it. Look at the evidence.

This card comes from a real, anonymised analysis. The top of the card is POLİÇEK's assessment; “See the evidence” opens what the document says — in English translation of the Turkish original.

Coverage drift

At renewal, the key-loss cover limit dropped from TRY 30,000 to TRY 20,000

Why it matters

Same vehicle, same product, same sentence — only the amount changed. Because the cover still shows as “included” in both periods, it never surfaces as a difference in a portfolio table; it shows up once the two periods' documents are placed side by side. The document gives no reason for the change and POLİÇEK does not invent one: this is the fact the client needs to hear.

Evidence

Source: two consecutive motor policies for the same vehicle

See the evidence

Previous period · page 5

Lock Mechanism Replacement Note: the annual and per-event maximum limit to be stated in the policy has been set at TRY 30,000.00.

New period · page 5

Lock Mechanism Replacement Note: the annual and per-event maximum limit to be stated in the policy has been set at TRY 20,000.00.

Location in the documents: page 5 in both · Lock Mechanism Replacement Note

What POLİÇEK is not

Some parts of an agency workflow are deliberately outside this product.

  • It does not rate premiums, produce quotes or bind policies.
  • It does not tell you whose product to sell and favours no insurer.
  • It does not manage commissions, accounting or collections.

Let us not tell you. Let us show you, on a policy.

Pick one of your insurance decisions. Ask POLİÇEK:

“What am I missing?”

Check your policyTry it on one of your decisions

No account yet? POLİÇEK accounts are opened by invitation. Request access

POLİÇEK — Before you decide. Decide with evidence.

Cookie preferences

Strictly necessary records cannot be switched off, because the page will not work safely without them. The only optional item is your browser signature (User-Agent); while it is off, that field is never written. The raw IP address sits outside this switch: it is recorded on every non-bot visit, on the legitimate interest basis, and the reasoning is set out in the cookie policy.

Strictly necessary

The form's bot protection and remembering your choice in this panel. Cannot be disabled.

Always on

Detailed visit record

Turn this on and your visit record will also carry your browser's full signature string (User-Agent). Page counting is independent of this switch and works without cookies. The raw IP address is NOT tied to this switch — it is recorded on every non-bot visit.

NO cookies in this category — a server-side record only

Read the full cookie policy