Motor cover quote
Demo Transport Ltd · new request
Registration attached. I need a quote with a low deductible.
Registration-demo.jpgEmail
Insurance Operations AI
AI forbrokers
AI prepares documents and actions. The broker decides.
ELVO · Broker Inbox
Incoming request
AI asks only for what is missing
What is the highest deductible you would accept?
Extracted data
EmailClient—
Plate—
VIN—
Product—
Deductible—
Ready for CRM
Client matched · opportunity created · task assigned to Maria
The reply and record are waiting for the broker.
Renewal AI
8policiesexpire.6clientsneedanSMS.
Choose a time window, see who has not been notified and send personalised messages with one approval.
ELVO · Renewal Desk
Expiring in
8 policies expire in the next 14 days
6 need notification · 2 already notified
Clients approaching expiry
AI selected for notification · 6Alexander PetrovCASCO-0001/2025 · BMW X5 · 13 Sep 202610 daysNeeds SMS
Maria IvanovaCASCO-0003/2026 · Toyota Corolla · 15 Sep 202612 daysNeeds SMS
Ivan IlievMTPL-0006/2025 · Škoda Octavia · 08 Sep 20265 daysNotified
Demo Transport LtdCASCO-0011/2026 · Ford Transit · 17 Sep 202614 daysNeeds SMS
AI proposed action
I intend to send a personalised SMS to 6 clients whose policies expire within the next 14 days. I will skip 2 contacts who were already notified.
AI Broker Copilot
Askaboutaclient.Getananswerwithevidence.
The copilot checks structured records and source documents before answering — no hunting across tabs and PDFs.
ELVO · Broker Copilot
Example questions
Question
Does Maria's policy include roadside assistance?
Answer for the broker
No. Roadside assistance is not listed in Maria Ivanova's active motor policy for her Toyota Corolla. Open the source document before advising the client.
Natural disasters · including hail
Collision
Vandalism
Sources
CASCO-0003/2026 · Coverages policy-demo.pdf · page 4
When evidence is ambiguous, AI says it does not know and hands the question to a broker.
How AI verifies
- Finds Maria Ivanova
- Opens the active motor policy
- Checks structured coverages
- Searches the original PDF
Policy Import AI
Apolicyentersasafile.Itleavesasaverifiedrecord.
OCR, duplicate checks, coverages, instalments and conditions are prepared for human approval.
ELVO · Document Review
New document
casco-maria-demo.pdf
12 pages · 3.8 MB · PDF
Recognised fields
PolicyCASCO-0003/202699%
ClientMaria Ivanova98%
VehicleToyota Corolla Hybrid97%
VINNMT•••284191%
Prepared sections
Coverages
3 clauses
Instalments
4 due dates
Conditions
7 items
Deductible
€250
Possible existing record
The same policy number exists. AI suggests an update and never overwrites it automatically.
Human review
Confirm the VIN and choose whether to update the matched policy.
Internal Operations
Onescreenforthebroker'sdailywork
Dashboard, policies, payments and reports run from the same verified data.
ELVO · Insurance Operations
Live example · Dashboard
What needs attention today
Deadlines and exceptions instead of a static list.
124
Active policies
8
Expire in 14 days
5
Payments in 7 days
2
Overdue
Deadlines and exceptions instead of a static list.Open workflow
Quote Comparison AI
Fiveformats.Onecleardifference.
PDF, Excel, email and portal exports become a comparison the broker can verify row by row.
ELVO · Coverage Compare
Quotes received
Insurer A · PDFInsurer B · ExcelInsurer C · email
B · 94% · Selected for review
- Premium
- €680
- Deductible
- €250
- Property limit
- €500k
- Business interruption
- Yes
- Key exclusion
- Clause Y
AI observation
B costs 9.7% more than A but carries a 50% lower deductible. C excludes business interruption.
AI shows differences and evidence. The broker writes the recommendation.
B · 94%
Claims Intake AI
Aclaimstartswithhelp,notalongform
The conversation collects facts, finds the policy and prepares the file. It does not decide compensation.
ELVO · Claims Assistant
Conversation
My car has been damaged.
I found the policy. Is anyone injured?
No. I am sending photos and the accident statement.
Photos received. The registration document is still missing.
Front-left corner
Right sidePrepared case
Motor own damage · active on incident date
Property damage · 02 Sep · Sofia
Completeness
Damage photos
Accident statement
Registration document
Contact and location
Triage
Standard property-damage claim
Route
Claims team · review before submission
Injury, high severity, suspected fraud or ambiguous cover triggers immediate escalation.
Human-governed AI
Speedmatchedtorisk
Low-risk work executes. Ambiguity gets reviewed. Material decisions stay with experts.
AI executesHuman reviewsExpert approves
Classify email and create activity
AI executesaudit log
Attach document and add CRM note
AI executesrules and access
Extracted risk data
Human reviewsconfidence + source
Normalised quote
Human reviewsrow-by-row
Payment/commission match
Human reviewsexceptions to people
Product recommendation and binding
Expert approveslicensed broker
Complex coverage/claim advice
Expert approvesmaterial impact
Regulatory submission
Expert approvescontrolled sign-off
AI executes. The broker decides. Every action remains traceable.
Integration layer
Builtaroundthesystemsyoualreadyown
We connect channels and core software through one auditable AI workflow layer.
Inputs
EmailWebsiteTelephonyViber / WhatsAppPDF / imagesExcel
ELVO Insurance AI Layer
1. OCR and extraction
2. Rules and validation
3. Specialist agents
4. Approval Inbox
5. Audit log
Systems and execution
Sirma BrokerBankSoftISI BrokerCRMDocument storageAccountinge-SignPaymentsInsurer API / portalRegulatory datasets
Insurer integrations are insurer-specific: direct API, the broker system, permitted portal automation or prepared data for human submission.
We build it. You own it.
The solution runs in your infrastructure and follows your roles, deadlines and controls.
- Your cloud tenant and data
- Your model/API accounts
- Documentation and training
- 60-90 day stabilisation
- Optional, not mandatory support
Cloud, model usage and third-party licences are paid directly by the client.
Proof before scale
Measureonerealprocessfirst
A baseline, real documents and agreed criteria before production investment.
Average handling time
Fields entered manually
CRM completeness
Missed follow-ups
Accepted AI extractions
Time to proposal
Example PoC
Inbox → open → re-key → CRM → follow-up
Inbox → AI draft → broker approval
Capacity released for clients and decisions - measured on your operation.
Targets are agreed for each PoC; they are not a blanket guarantee of a percentage saved.
How we start
Do not start with AI transformation. Start with one process.
Fixed scope and a scaling decision only after measurable evidence.
Insurance AI Proof of Concept
One process, one team, real data, up to 30 days.
- Pre-automation baseline
- Up to 2 integrations
- Up to 3 document types
- Before/after measurement
- Production recommendation
Production AI Automation
Workflow automation, agents and integrations sized to complexity.
- Multi-stage workflows
- CRM/BMS and insurer connectors
- Roles, approvals and audit
- Deployment, training and stabilisation
- Custom enterprise architecture
When moving to production, the PoC investment can be credited according to the agreed scope.
No mandatory ELVO subscription. Final scope depends mostly on integration complexity and governance.
Practical questions
Beforeweconnectthefirstworkflow
No. ELVO is an AI orchestration layer around your CRM/BMS, email, documents and available integrations. The existing system remains the source of record.
We do not promise that before discovery. The route is insurer-specific: API, broker-system integration, contractually permitted portal automation or prepared data for human submission.
AI can extract, compare and prepare. Product advice, sensitive changes and binding stay with a broker according to authority and the exact workflow.
Architecture includes data minimisation, roles, encryption, retention rules, audit logs and explicit boundaries for what may reach a model provider.
Usually Document-to-CRM or Renewals: high operational value, low decision risk and a measurable result. Quote Comparison is a strong third option for one line of business.
No. The core model is a one-time implementation. Support is optional after stabilisation, while cloud/API usage remains in your accounts.
Typically up to 30 days with fixed scope: one workflow, a limited real dataset, a baseline and measured results.
Showusoneprocessthatstealsyourbrokers'day.
We will map it, measure it and turn it into your first working AI workflow.