A WhatsApp AI agent for motor insurance renewal and road tax agents: collect the details for a quote, answer the process questions, and never miss a renewal enquiry

A renewal enquiry is five questions the customer never includes: plate number, car model and year, current insurer, NCD, and which add-ons they want. Agents spend their day typing those five questions, one customer at a time, and the customers who message at 11 pm wait until the morning and sometimes renew elsewhere.

By Ritchie, ReplyKit · Published 5 October 2026 · 6 min read

The intake the agent runs

1. Plate number, make, model and year.
2. Current insurer and expiry date; a photo of the current cover note or road tax is fine, the agent reads it and asks for anything unclear.
3. NCD if known, or the agent explains how it works from your note and says you will check.
4. Cover type and add-ons from your plain-English list: windscreen, special perils (flood), named driver, roadside assistance.
5. Road tax: whether they want it renewed together, and delivery or collection.
6. The lead lands in your list with every detail; you quote from your insurer portals and reply in the same chat.

The agent's job stops at gathering. Put it in the instructions in one line: it does not quote premiums, recommend insurers or advise on cover; a licensed agent does. The scoping principle is in writing the agent's instructions.

The process questions it answers

• Documents. IC, licence, current policy or plate number, in your words.
• Turnaround. "Quote within 1 hour during office hours; cover note same day once paid."
• Payment. Transfer, DuitNow or card link, and whether instalments are available (only if an insurer offers them; the agent should not promise).
• Road tax delivery. Collection, courier fee, or digital road tax where applicable.
• Add-ons explained. What windscreen cover or special perils are, in general terms from your note, without saying which the customer should buy.
• Expiry. What happens if the policy has lapsed, and the inspection rule for lapsed vehicles, from your note.

Renewal reminders without campaigns

ReplyKit does not send campaigns, which keeps the number inside WhatsApp's policy and safe. What it does do is keep every customer in a CRM with a follow-up date. Set the follow-up to a month before expiry, and the Leads page tells you each morning who to message by hand; on the Growth plan the agent sends one follow-up nudge to leads who asked for a quote and went quiet. For a renewal business the follow-up list is the revenue; the CRM guide covers the routine, and the follow-up templates the wording.

One honest note before the setup. ReplyKit connects to your number by QR pairing, the same linked-device mechanism as WhatsApp Web. It is live in minutes and needs no Meta approval, but Meta does not sanction automation this way, so a number can be restricted. We enforce limits of 30 replies an hour and 200 a day per number with a warm-up ramp for new numbers, reply to inbound messages only, and recommend a dedicated number rather than your main line. The full picture is in our ban guide.

Limits and the regulated line

Motor insurance is regulated and only a licensed person may advise or sell. The agent explains, collects and schedules; it does not compare insurers or say which cover is best, and it hands over any claims question to you immediately. It is also capped at 200 replies a day per number, which an individual agent rarely reaches except in the last week of a month, when a second number on the Growth plan helps. The win is simple: no renewal enquiry waits overnight, and every quote request arrives complete.

Starter at $29 a month covers one number, one agent and 1,000 replies; Growth at $49 adds two more numbers, five agents and follow-up nudges; the 7-day free trial needs no card. Replies you receive and messages you send yourself are free; only the agent's own messages count. What it costs in practice.

Frequently asked questions

ReplyKit is an independent product and is not affiliated with or endorsed by Meta or WhatsApp. This article is general guidance for running a small business, not legal, financial or regulatory advice.