Manage the full policy lifecycle from new business through renewals to cancellation. Bordereaux reporting, premium finance, and delegated authority workflows included.
A policy administration system is the operational backbone of any insurance broker or MGA. It needs to handle the full policy lifecycle efficiently while producing accurate bordereaux for capacity providers and maintaining FCA-compliant audit trails. Here is what matters most when evaluating options.
Your system must handle every stage of the policy lifecycle: new business processing, mid-term adjustments, renewals, cancellations, and lapse handling. Each stage has different data requirements, approval workflows, and downstream effects on bordereaux and commission calculations. Avoid systems that handle only part of the lifecycle.
Mid-term adjustments are where most policy admin systems fall down. You need to track what changed, calculate pro-rata premium adjustments, generate endorsement documentation, and update bordereaux records. Look for systems that handle MTAs as a native workflow rather than a manual override.
If you operate under delegated authority, accurate bordereaux reporting is non-negotiable. Your system should generate premium, claims, and risk bordereaux in the formats your capacity providers require, reconciled against your book of business, without manual spreadsheet assembly.
Renewals are the revenue protection engine of any insurance operation. Your system should identify upcoming renewals, trigger pre-renewal workflows, track invite-to-renew communications, and flag policies at risk of lapse. Automated renewal pipelines prevent revenue falling through the cracks.
Many policyholders pay by instalment. Your policy admin system should track finance agreements alongside policies, reconcile payments, handle default processes, and provide a joined-up view of a customer's policy and payment status in a single record.
MGAs and brokers with delegated authority need binding authority controls, underwriting rule enforcement, and referral workflows for risks outside authority limits. Your system should enforce these rules at the point of transaction, not rely on retrospective checking.
Purpose-built capabilities for policy administration system operations — not generic templates you have to work around.
Structured workflows from lead capture through underwriting referral to policy issuance. Document validation with RAG status indicators for licence checks, proof of NCD, and compliance requirements.
Automated bordereaux reports in the formats your capacity providers require. Premium, claims, and risk bordereaux generated from live policy data with reconciliation checks built in.
Automated renewal identification with configurable lead times. Pre-renewal workflows trigger invite-to-renew communications, track responses, and flag at-risk policies for handler attention.
Handle motor, commercial, fleet, taxi, and specialist lines within a single platform. Each product line has its own workflows, data requirements, and underwriting rules while sharing a common customer record.
Leads and applications flow into structured workflows. Required documents validated with RAG status tracking. Risks referred to underwriters where they fall outside delegated authority limits.
Policies issued with documentation generated automatically. MTAs, endorsements, and cancellations handled through dedicated workflows with pro-rata calculations and audit trails.
Renewal pipeline identifies upcoming expiries. Pre-renewal workflows generate invite-to-renew communications. Handlers focus on at-risk renewals while routine renewals process efficiently.
Bordereaux reports generated from live data in capacity provider formats. Management information dashboards track premium income, conversion rates, and handler productivity.
See how teams use SwiftCase for policy administration system across different scenarios.
Manage the complete policy lifecycle for a retail or specialist insurance broker. Handle new business, MTAs, renewals, and cancellations across multiple product lines with a single team using one platform.
Application received > documents validated > risk assessed > policy issued > lifecycle managed > renewal triggered
Operate delegated authority with binding controls, underwriting referral workflows, and automated bordereaux reporting. Maintain the audit trail capacity providers and the FCA expect to see.
Risk submitted > authority checked > binding decision > policy issued > bordereaux updated > capacity provider reporting
Enforce binding authority limits at the point of transaction. Automatically refer risks outside your delegated authority for manual underwriting. Track referral outcomes and turnaround times.
Risk parameters checked > within authority: auto-bind > outside authority: referral created > underwriter reviews > decision recorded
Identify policies approaching renewal 60-90 days in advance. Trigger pre-renewal data validation, generate invite-to-renew letters, and track renewal outcomes. Flag lapsing policies for intervention.
Renewal identified > data validated > invite sent > response tracked > renewal processed or lapse flagged
Yes. SwiftCase supports motor, commercial vehicle, taxi, fleet, motor trade, and other specialist lines within a single platform. Each product line has its own workflows, data fields, and underwriting rules, but they share a common customer record so you have a single view of each client across all their policies.
MTAs are handled through a dedicated workflow that captures the change requested, calculates pro-rata premium adjustments, generates endorsement documentation, and updates the policy record and bordereaux data. The full history of changes is maintained in the policy audit trail, so you can always see what changed and when.
Yes. SwiftCase generates premium, claims, and risk bordereaux from live policy data in the formats your capacity providers require. Reports are reconciled against your book of business automatically, reducing the manual spreadsheet work that typically consumes days each reporting period.
Absolutely. SwiftCase includes binding authority controls that enforce your delegated authority limits at the point of transaction. Risks outside your authority are automatically referred through configurable underwriting workflows. The platform maintains the complete audit trail that capacity providers and the FCA require for delegated authority arrangements.
SwiftCase identifies policies approaching renewal based on configurable lead times, typically 60-90 days before expiry. Pre-renewal workflows trigger data validation checks, generate invite-to-renew communications, and track customer responses. Policies at risk of lapse are flagged for handler intervention, ensuring renewal revenue is protected.
actually scales.
See how SwiftCase handles new business, MTAs, renewals, and bordereaux for UK insurance brokers and MGAs. Unlimited users included.
