Renewal Triggers That Retain More Clients
UK insurance brokers arrange 93% of commercial insurance and 74% of all general insurance, according to BIBA. And yet most brokerages still manage renewals from spreadsheets, chase lapsed clients by hand, and have no real way to cross-sell additional cover. Here's the number that matters: Consumer Intelligence research shows auto-renewal mechanisms hold on to 95% of clients. Manual renewal? Just 63%. That 32-point gap is where your book shrinks.
Spotzee triggers campaigns from policy renewal dates, abandoned quotes, claims activity, and credit data changes. Every communication runs through built-in FCA compliance workflows (pre-approval routing, mandatory risk warnings, WORM archiving) before it sends. The FCA issued £186.4 million in fines in 2024/25, up 337% year-on-year, and cancelled 1,456 firm authorisations. Compliance isn't a nice-to-have anymore.
Built for your needs
Features that drive results
Renewal Triggers
Set your renewal windows at 90, 60, and 30 days before expiry. Spotzee launches a retention sequence automatically: initial reminder, policy summary, renewal options, broker call booking. Consumer Intelligence data shows auto-renewal achieves 95% retention versus 63% for manual renewal. Brokers using Spotzee's renewal automation typically lift retention from around 74% to 91%.
Abandoned Quote Recovery
A prospect requests a quote, gets the numbers, then goes quiet. Happens all the time. Spotzee detects stalled quotes and fires off a follow-up sequence with the original quote details, a comparison prompt, and a direct link to pick up where they left off. You recover prospects who were already interested. They just didn't finish.
FCA Compliance Built In
The FCA issued £186.4 million in fines in 2024/25 (a 337% increase) and cancelled 1,456 firm authorisations. BIBA and London Economics estimate regulatory costs now eat 8.1% of broker fee income. Spotzee's compliance engine covers pre-approval routing, mandatory risk warnings, content scanning, and WORM archiving. Your campaigns meet requirements before they send. Not after a regulator flags them.
WORM Archiving
Every email, SMS, and direct mail piece is captured in a tamper-proof, write-once-read-many archive the moment it sends. When the FCA or your compliance team needs to review a communication from eighteen months ago, it's there. Unaltered. Full metadata, send timestamps, recipient details. No hunting through email servers or asking marketing what they sent.
Cross-Sell Automation
Broker Insights data from 2024 shows the average UK commercial insurance customer holds 1.34 policies, well below the 1.6 industry benchmark. Simon-Kucher research found 91% of customers are willing to consolidate with one provider. Yet 8 out of 10 never buy a second product. Spotzee identifies cross-sell gaps from existing policy data and triggers personalised campaigns for additional cover.
Life Event Triggers
Marriage. New home. Business expansion. Retirement. Life events create insurance needs, and Spotzee monitors data signals that flag these changes. A client who just registered a new company address likely needs updated commercial cover. One whose business just hired its tenth employee may need group life or income protection. The campaign fires before they start shopping around.
Claims Communication
Claims are when client trust is won or lost. Spotzee automates the full communication sequence: acknowledgement, progress updates, resolution confirmation, satisfaction check. This isn't marketing in the traditional sense. It's structured relationship management that prevents the post-claim exodus most brokerages experience. Keep clients close when they need you most.
Multi-Channel Outreach
Email for policy documents and detailed comparisons. SMS for renewal reminders and appointment confirmations. Direct mail for high-value commercial renewals where a physical touch makes the difference. Spotzee coordinates all three channels in a single journey, with each touchpoint adapting based on engagement and the client's preferred communication method.
Multi-Touch Journeys
One trigger kicks off an entire sequence. Renewal date approaching today, summary email tomorrow, comparison prompt the following week, broker call booking after that, direct mail piece for high-value accounts. Each touchpoint adapts based on engagement and the latest policy data. Not a single blast. A structured conversation that unfolds over weeks.
How teams use Spotzee
Common use cases
Broker Renewal Campaigns
Renewal dates trigger a 90-day retention sequence automatically. Initial reminder, policy review summary, renewal options, broker call booking. Brokerages using this approach typically lift retention from around 74% to 91%. That's the difference between a shrinking book and a growing one.
MGA Distribution Marketing
MGAs need brokers placing their products, not a competitor's. Spotzee automates broker engagement campaigns: new product launches, capacity updates, appetite changes, performance incentives. Keep your distribution network active and informed without your underwriting team spending half their week writing emails.
Commercial Lines Cross-Sell
Broker Insights shows UK commercial clients hold 1.34 policies on average versus a 1.6 benchmark. Simon-Kucher found 91% are willing to consolidate, yet 8 out of 10 never buy a second product. Spotzee spots the gap in each client's cover and triggers a personalised cross-sell campaign for the missing policies.
Claims Nurture & Retention
Claims are the moment brokerages lose clients. Spotzee automates the communication sequence: acknowledgement, regular updates, resolution confirmation, satisfaction check. Then it rolls straight into a renewal nurture once the claim closes. Structured post-claim engagement that turns a vulnerable moment into a retention opportunity.
Don't Have a Marketing Team?
Insurance Times reported in 2025 that 46% of brokers don't have a digital marketing strategy. Most brokerages run on a handful of account handlers, a compliance officer, and whoever inherited the marketing folder three years ago. Spotzee's fully managed model gets compliant, data-triggered campaigns live without you hiring anyone. We handle strategy, copywriting, compliance workflows, and reporting. You focus on placing risk.
Common questions
Frequently asked questions
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