Renewal review letter generator

To: [carrier name]

Subject: Review of my auto policy before renewal

I am reviewing this policy ahead of its renewal and would like the following addressed before the renewal premium is taken.

1. Please carry out a full discount review and tell me both which discounts are currently applied to this policy and which I may qualify for but am not receiving, together with what evidence each requires.
2. Please tell me whether any surcharge is currently applied to this policy, the expiry date of each one, and confirm that the policy will be re-rated on the date each surcharge comes off.
3. Please check whether I now qualify for placement in a different underwriting company within your group, and re-rate the policy if I do.
4. Once these items have been actioned, please send a revised declarations page so I can confirm the changes were applied.

Please confirm in writing what has been actioned and what the revised premium is. If any item cannot be actioned, please say which and why.

Thank you,
[your name]

Hello — I'm reviewing my auto policy before it renews and I have a few specific things I'd like dealt with rather than a general question about price.

1. Please carry out a full discount review and tell me both which discounts are currently applied to this policy and which I may qualify for but am not receiving, together with what evidence each requires.
2. Please tell me whether any surcharge is currently applied to this policy, the expiry date of each one, and confirm that the policy will be re-rated on the date each surcharge comes off.
3. Please check whether I now qualify for placement in a different underwriting company within your group, and re-rate the policy if I do.
4. Once these items have been actioned, please send a revised declarations page so I can confirm the changes were applied.

Could you confirm each of those in writing and send me a revised declarations page?

[Then stop talking. The pause does more work than the pitch.]

Why the wording is specific

“Can you do better on my premium?” is the most common thing said on these calls and the least effective. The person on the phone cannot deviate from a filed rate — that would be unfair discrimination and it is the thing regulators police hardest. What they can do is perform defined tasks: correct a rating detail, run a discount review, confirm when a surcharge expires, check whether you qualify for a different company inside the group.

Every sentence this tool produces asks for one of those defined tasks by name, which is why it gets a different conversation. What is actually negotiable on an insurance policy explains the mechanism behind each one.

Before you send it

• Get your declarations page out and compare it against last year’s. The line-by-line method takes about fifteen minutes and finds most of what belongs in this letter.
• Start three to four weeks before the renewal date. Corrections take longer than a single call, and advance quotes are often priced better than same-week ones.
• If you are also gathering competing quotes, get them at identical limits and deductibles first, so the letter can name a real number rather than a hope.
• Keep every reply. Surcharge expiry dates in particular are worth diarizing for next year.

What it will not do

It will not argue a filed rate down, because nothing can. It will not reverse an accurate claim or violation on your record. And it will not help with a claim dispute or an allegation of misrepresentation — those need proper advice, not a template.

Check it yourselfNothing you enter is transmitted. There is no network request in this tool and no analytics event attached to what you type — the letter exists only in the browser tab you are reading this in.

Common questions