When changing insurers, also update endorsements
My suggested approach to this would be:
- When the insurer for a risk group is changed on the Matrix tab, instead of the normal popup message which currently reads 'Press OK to reset the rates for this insurer', show the message 'Pressing OK will permanently change the insurer for this risk group and may also change CALCULATION and ENDORSEMENTS.\nNote: there is no undo.'.
- Once task 1 is confirmed working, change the code that is run when changing insurer to launch an additional confirm box ONLY when changing the MAIN risk group that reads 'You are changing the insurer for the MAIN risk group.\nWould you like to refresh ENDORSEMENTS?\nNote: there is no undo.'. If the user hits OK, run some code to change insurer, then discard all the current endorsements for this case record, then calculate the current ones for this insurer.'.
This would be a relatively small change but would need thorough user testing.
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I was about to raise this as a ticket, but seeing as it is here I may as well vote. Today I am adding additional insurers to two sites, the new insurers have a different endorsement list to the current insurers. I was trying to set the relevant endorsements for each insurers in the relevant Matrix but only the default insurer seems to work.
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This is not exactly what we are looking for. I know this is a long shot but ....
Where endorsements are set in a rating matrix I would like to see the system save those endorsements against the correct insurer. So if you go into a case matrix and change insurer the endorsements would get updated/retrieved. So the endorsements are basically "Saved" per insurer, per Risk Group. This would include endorsements added manually via the endorsements tab and saved.
So if for example:
Insurer1 has endorsements 1, 2 and 3 set in the rating matrix.
Insurer2 has endorsements 4, 5 and 6 set in the rating matrix.
The quotation is run and we go in to edit the case. By default it is set to Insurer1 with endorsements 1, 2 and 3. But if was want to change the insurer to Insurer2 we would want endorsements 4, 5 and 6 to automatically be saved/retrieved. Currently we would change to Insurer2 and still have endorsements 1, 2 and 3.
Whilst typing this I have been giving this more thought and to be honest we may not have tested this thoroughly enough, perhaps you can shed some light. The situation I have seen this in is:
Endorsements set up for all Insurers and all schemes.
Insurer1 has endorsements in the rating Matrix for these "All scheme/Insurer" endorsement.
Insurer2 has no endorsements in the rating Matrix. There are currently no Endorsements specific to that Insurer in the Endorsements screen.
So when the case is quoted the Endorsements for Insurer1 also appear for Insurer2.
So what I am not sure about (and unable to test at the minute), IF Insurer1 endorsements were entered under the specific Insurer in the endorsements screen, would they still appear for Insurer2 ? In theory they shouldn't because it is a different Insurer.
If the above works correctly, we may be ok. We just need to re-enter the gazzillion Endorsements under the specific insurer(s).
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Hi everyone,
Thanks for all your feedback on this.
We're currently rethinking this part of SchemeServe and planning to have a window pop-up whenever insurers are changed or rating re-run in order to give the user the chance to interact with what will happen next.
So for instance, in this case a window would appear with:
- a list of all the rules to be run
- the matrix(ces) to be run
- endorsements to be created and/or deleted
- the documents that would be deleted
- the new documents that would be generated.
It would be an rethink of the window that currently appears when Status is changed (the one with the list of documents for generation/email).
The user could then interact with this, un-ticking items that they don't want to happen (i.e. documents they don't want deleted) and ticking others than wouldn't always be desirable (e.g. re-generating endorsements for a specific insurer).
Since we can't always predict what is required in all situations, by giving the user full visibility and control we hope we can give you the best of all worlds. We could also potentially make it so Users (as opposed to PowerUsers and above) couldn't interact with all items (matrices? rules?) but only view.
This same window would be available at any time by pressing a button called 'Reasses'.
What do you think?
Best wishes,
Adam
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It sounds like quite a big job anyway so why not consider going the extra mile and save all possible quotes in the first place. This would enable us to quote with one insurer (or panel of insurers) including changing default endorsements and rates then switch to an alternate insurer on one or more sections which in turn would switch to that insurers conditions. This would involve storing conditions against a specific insurer/section but would enable easy switching and saving of changes should we switch back.
This would also be the first step towards full comparative quote which would also be immensely useful.
Best regards,
Mark
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That's a great idea Mark, you've really got me thinking on this one!
In your vision for this feature, would we still reassess the complete list of endorsements, rates, docs etc. when an riskgroup was changed?
If we purely saved the information there would be the weakness that no matter what was changed in the Admin area (e.g. new endorsements created in the library) the quotes could not be regenerated. Perhaps we'd need to combine both approaches, so the user could switch between quotes, seeing the list of items in their entirety that would change, then click ReAsssess to update the list and finally Save to close the window and see everything update?
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Adam,
I would see it working as follows:
1. The system would run through each insurer on each risk group and select the cheapest quote (or referral if none quote) as it does at the moment.
2. Rather than discard alternate (more expensive quotes), the system could save them.
3. When changing insurer on a section the system could just "select" the existing quote (for the required risk group/insurer) and "de-select" the current one.
4. Endorsements could be linked to risk group and insurer so when an insurer is changed for a risk group all the system would need to do is show the endorsements applicable to the new insurer for that risk group leaving endorsements attached to alternate risk groups as they are.
This method would allow admin users to create and save multiple quotes and switch between /edit them as required. I do not actually see a need for the system to regenerate a quote again as this will be done when the case is first created although you could potentially add an option to regenerate the currently selected set of insurers (overwriting any changes). Interesting :)
It would then be a simple step to allow comparative quotes with any number of insurer combinations.
Documents could just be created in one place or split as per endorsements. Splitting could cause problems as docs can be created across risk groups.
I hope this makes sense but please let me know if your're not sure what I'm getting at.
Cheers.
Mark
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Thanks Mark,
Do you see an actual advantage to saving the quotes and retrieving the saved versions rather than regnerating them each time? It's much easier for us to regenerate and unless the rating/fees etc. have been changed via Admin tools then the result would be the same in any case?
Best wishes,
Adam
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Adam,
For us it would be a massive advantage to save all quotes. We have a number of schemes with 3 or more possible insurers per section and it is not always possible to know which will be most competitive until I have edited them and mucked around with the rates. Often I will quote the first insurer (changing rates and conditions) then switch to an alternative insurer just to see If I can do any better. If not it would be useful just to switch back to what I had previously (conditions et al).
We have other schemes where we would like to offer 2 or more quotes. This would involve selecting each insurer in turn, rating, adding conditions and creating docs. If the quotes were saved I could potentially send 3 quotes and just select the required one when cover was requested.
I hope this helps.
Mark
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Hello all
This feature request seems to have evolved into something far more complex than the original request, so can I just go back to basics for a moment please. Endorsements need to update when changing insurer...
As clients have more and more insurers this is becoming increasingly important.
I do have a tendency to over simplify things but I do not understand why this is such a problem. If there are three insurers all with their own endorsements I would have thought that the quotation gets created with ALL the endorsements for all the insurers attached. However, you can only view/access the endorsements specific to the insurer selected.
So the system would not need to store a different set of endorsements for each insurer, just one long list that the system "hides" if the relevant insurer is not selected.
This sounds far more simplistic than all the discussions above and just worry that we will not get any resolution for a while because it is being lumped in with far more complicated suggestions.
Thank you.
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Hi everyone,
We are working on a solution for this - especially the initial description in Natalie's update . We have a duty to all our customers not to introduce bugs or affect them with features that they don't want so we need to consider every permutation and requirement, which takes time. However this has been in development for many months now and we have a clear idea of what you want; I can't give dates but it's coming soon.
Best wishes,
Adam
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