Quotes, policies and renewals
hayaterp.com ↗Sell insurance in Hayat Insurance — clients, quotes comparing up to 10 insurers side by side, accepting a quote into a draft policy, issuing with required fields, premium, tax, stamp duty and fee, instalments, invoicing ahead, premium receipts and pay links, the client's policy page, endorsements with premium difference and refunds, cancellation with pro-rata or short-rate refund, renewals with 30 / 15 / 7-day reminders, and policy documents.
The usual path is client → quote → policy → premium → renewal. You need ins.sell for everything on this page except cancelling a policy and posting an endorsement that lowers the premium, which need ins.manage.
Clients
Open Insurance clients and press + Client:
| Field | Fill |
|---|---|
| Kind | Person or Company |
| Name | As on the national ID or registration |
| CNIC (person) or NTN / registration (company) | Kept encrypted; a second client with the same number is refused |
| Phone, E-mail, Date of birth, City, Address | Phone is kept encrypted |
| Agent | The agent who brought the client, if any |
Search by client number (ICL-…) or name, or by the exact national ID or phone (they are stored encrypted, so part of a number does not match). The client page lists their policies, quotes, claims and documents.
Each client is linked to a Sales customer the first time a premium is invoiced, so their balance shows in Sales like any customer's.
Quotes
A quote compares what several insurers offer for the same cover. Open Quotes, start a new quote:
- Pick the Client (type in Find client), the Product and the Agent.
- Fill the insured details — the form shows only the fields the product needs: the vehicle for motor, + Member for each person on a health policy, the destination and dates for travel…
- Type the Sum insured and Valid until.
- Press + Option for each insurer (up to 10): Insurer, Premium, Sum insured, Deductible, Cover (what is included) and Commission % (filled from the insurer's rate).
- Save quote. The cheapest option is highlighted.
Then:
- Mark sent when you have shared it with the client.
- Lost or Expired when the client does not go ahead.
- Accept this option on the option the client chose: choose Start / End, Billing, Instalments (1–12) and Every (months), and the Insurer policy no. if you already have it. Hayat makes a draft policy from it.
A quote can be edited while it is a draft or sent and has no policy.
Issue a policy
You can also start a policy without a quote: Policies → new policy.
| Field | Fill |
|---|---|
| Client, Insurer, Product, Agent | |
| Insurer policy no. | The insurer's number, when you have it (add it later with Insurer no.) |
| Sum insured, Deductible | |
| Premium (net) | The premium before tax |
| Commission % | Filled from the insurer's rate for the product and start date; another figure needs ins.manage |
| Billing | Agency collects (you invoice the client and remit to the insurer) or Insurer collects (direct billing — the insurer bills the client and pays you commission) |
| Instalments (1–12), Every (months) | e.g. 2 instalments every 3 months |
| Start, End | The end defaults to start + the product's term − 1 day |
Save draft, check it, then press Issue. If a required field of the product is missing, Hayat lists it and does not issue. An issued policy is Active; the other statuses are Draft, Expired, Cancelled and Renewed.
The figures on a policy:
| Figure | Worked out as |
|---|---|
| Tax | Premium × the product's tax % (FED / VAT) |
| Stamp duty, Policy fee | From the product |
| Total | Premium + tax + stamp duty + policy fee |
| Commission | Premium × commission % |
Example (agency collects): motor premium 97,500, tax 16 % = 15,600, stamp duty 100, policy fee 500 → total 113,700; commission 20 % = 19,500. With two instalments every 3 months, due 1 is 48,750 + 7,800 + 100 + 500 = 57,150 and due 2 is 48,750 + 7,800 = 56,550 — the premium and tax are split equally, the stamp duty and fee go on the first due.
Premium dues and receipts
The policy page shows the Premium schedule: each due with its date, amount, paid, balance and status (upcoming, due, part paid, paid, overdue, refund, cancelled) and its Sales invoice number.
- Dues are invoiced to the client by themselves a few days before their date (Invoice dues days ahead, 7 by default). Raise dues invoices them now.
- Receive premium: Amount, Method (Cash, Card, JazzCash, Easypaisa, Raast, Bank transfer, Cheque or Pay order), Reference (needed for card, cheque and transfer), Date. Hayat records a Sales receipt (
RV-…) against the policy's invoices. - Pay link makes an online payment link for what is due now (or an amount you type); Copy pay link to send it.
- Copy link copies the client's policy page; Reset link makes a new one (see The client's policy page).
Payments made through the policy page or a pay link are recorded the same way, marked online.
Endorsements
An endorsement is a change during the policy: more or less cover, a new vehicle, a member added or removed, a corrected detail. Press Endorse on the policy:
| Field | Fill |
|---|---|
| Kind | Add cover, Remove cover, Sum insured change, Vehicle change, Member add, Member remove, Correction or Other |
| Effective from | |
| Premium difference (±) | Extra premium (+) or a refund (−); the tax difference is worked out for you |
| Sum insured after | When the sum insured changes |
| Change the insured details | Tick to edit the vehicle, members, etc. — required fields are checked again |
| Description | What changed and why |
It is saved as a draft; press Post to make it count. An extra premium becomes a new due. A refund is a Sales credit note on the policy's invoices — tick Refund in cash to pay it back (only for fully paid invoices; otherwise the client keeps a credit). Posting a refund needs ins.manage.
Cancel a policy
Cancel (ins.manage) shows a preview before anything changes: the unused days, the refund of premium and tax, and the commission that comes back.
| Refund rule | Refund |
|---|---|
| Pro rata | Premium × unused days ÷ policy days |
| Short rate | Pro rata, less the short-rate cancellation fee % (10 % by default) |
| None | Nothing |
Stamp duty and the policy fee are never refunded. Choose Cancel on (the date), the Refund rule, a Reason and Refund in cash if the client gets money back. Dues not yet invoiced are cancelled, invoiced premium above what was earned is credited, and the refund nets off your next remittance to the insurer.
Example: the motor policy above cancelled with 292 of 365 days unused, pro rata: refund of premium 78,000 and tax 12,480, credit 90,480; commission back 15,600.
Renewals
Policies ending soon show on the dashboard and in Policies with Expiring within days. Staff with ins.sell are notified at each renewal stage (30, 15 and 7 days before the end by default), and the client gets the Renewal due reminder if you switched it on in Marketing → Reminders.
Press Renew on the policy. Hayat makes a draft for the next term of the same length; you may change the Insurer, Premium and Sum insured. Issue it as usual. At the end date the old policy becomes Renewed if its renewal was issued, otherwise Expired.
The Renewals due report lists every policy ending in the next 30 days (or the days you choose) with the client's phone — see Reports.
Documents
+ Document on a client, quote, policy or claim: choose the type (proposal, policy schedule, cover note, endorsement, identity, vehicle registration, medical report, photo, survey report, claim form, invoice or other), a title, and upload a PDF or photo (JPG, PNG, WebP; up to 15 MB). Files open only for signed-in staff with the right permission. Deleting a document needs ins.manage.