Renewal reminder
Before your motor policy expires, you receive one WhatsApp message saying how many renewal quotes are ready for your vehicle.
Motor insurance renewals · on WhatsApp
Compare your renewal quotes. Choose the cover you actually need.
InsuOpz sends your vehicle insurance renewal quotations on WhatsApp — side by side, explained in plain language — and connects you with a licensed insurance broking company when you are ready to renew.
Free for customers
Never asks for OTP, PIN or card details
Reply STOP anytime
InsuOpzBusiness account
Your motor policy renewal
Hello Asha, your policy for KA01AB1234 expires on 20 Nov. We have 3 renewal quotes ready, compared side by side.10:02
Hello Asha, your policy for KA01AB1234 expires on 20 Nov. We have 3 renewal quotes ready, compared side by side.10:02
Yes, show my quotesTalk to an advisorStop messages
Yes, show my quotes10:03 ✓✓
1. Insurer A Lowest₹9,240
2. Insurer B₹9,800
3. Insurer C₹10,150
10:03What does zero-dep mean?10:04 ✓✓
Zero depreciation means parts replaced in a claim are paid in full, without deducting their age. 🔒 We will never ask for your OTP, PIN or card details.10:04
Side-by-side quotesPremium · IDV · add-ons
Six languagesReply in yours
Accurate quotationsFrom licensed broking partners
We never collect moneyNo fees for customers
A human, anytimeReply HUMAN in the chat
Your choiceReply STOP to opt out
How it works
From reminder to the right cover, in one chat
No apps to install and no forms to fill. Everything happens in WhatsApp, at your pace, in your language.
Compare side by side
Reply YES to see every quotation with premium, IDV, add-ons and no-claim bonus — sorted so the differences are obvious.
Ask anything
Not sure what zero-dep or IDV means for you? Ask. Answers come from your actual quotations, and an advisor joins whenever you want.
Connect when ready
Choose an option and reply PROCEED. Only then do we share your contact and chosen quotation with the broking company, which calls you to complete the renewal.
Clarity first
Every quotation, explained in plain language
Cheapest is not always best. InsuOpz lays out what each quotation actually covers, so you can pick the protection that fits your vehicle and your budget.
- Premium and IDV together — what you pay and what your vehicle is insured for, never one without the other.
- Add-ons spelled out — zero depreciation, roadside assistance, engine protection, NCB protection and more.
- Your no-claim bonus protected — renewing before expiry keeps your cover continuous and your NCB intact.
- Facts, not pressure — answers come only from your quotations; anything uncertain goes to a human advisor.
Option 2 · Insurer BComprehensive · 1 year
Premium₹9,800Total payable for the year, including taxes.
IDV (Insured Declared Value)₹5,00,000The maximum the insurer pays if the vehicle is stolen or a total loss.
Zero depreciationIncludedReplaced parts are paid in full in a claim.
Engine protectionIncludedCovers engine damage from water ingress or oil leakage.
No-claim bonus25%Your earned discount, carried into the renewal.
Illustrative example. Actual quotations come from licensed broking partners and the insurers they represent.
Our role, plainly
InsuOpz connects you with a licensed broker. It does not sell insurance.
We help you understand and compare renewal quotations. The insurance itself is sold and serviced by a licensed insurance broking company, and your policy is issued by the insurer you choose.
We share accurate quotation informationQuotations are prepared by our broking partners from the insurers they represent, and shown to you exactly as provided.
We connect you only when you say soWhen you reply PROCEED, we pass your name, number, vehicle and chosen quotation to the broking company. Nothing is shared before that.
We never sell policies or take paymentYou pay only the broking company, on its own payment page. InsuOpz never collects premium or charges customers a fee.
In your language
Understand every word of your cover
Read your quotations and ask questions in the language you are most comfortable with. Switch any time by replying with the language code.
English EN
हिंदी HI
తెలుగు TE
ಕನ್ನಡ KA
தமிழ் TA
മലയാളം MA
Privacy & safety
Your details stay yours
We collect only what is needed to share your renewal quotations, protect it with strong security, and give you control at every step.
Never your OTP, PIN or card
InsuOpz will never ask for one-time passwords, PINs, card numbers or bank details. If anyone does, it is not us.
Encrypted and access-controlled
Data is encrypted in transit and at rest. Staff access needs two-factor sign-in and every sensitive action is recorded in an audit log.
Shared only on your PROCEED
Your details go to the broking company only after you ask to renew. We never sell data or use it for unrelated advertising.
Opt out in one word
Reply STOP and the messages stop. Reply START if you ever want renewal updates again.
A person when you need one
Reply HUMAN at any point and an advisor takes over the conversation in the same chat.
Your rights, respected
Ask to see, correct or delete your data at contact@insuopz.com. Read our privacy policy.
For insurance broking companies
Reach renewing customers on WhatsApp — with the sale staying yours
InsuOpz works with licensed insurance broking companies. You provide the quotations; InsuOpz presents them clearly, answers customer questions from your data, and hands you customers who are ready to renew, with their chosen option attached.
Talk to us about a partnershipWarm, consented leads with the chosen quotation
Payment always on your own page
Two-factor staff console with audit trail
Six languages, human hand-off built in
Questions
Frequently asked questions
Is InsuOpz an insurance company or an insurance seller?
No. InsuOpz is a technology service that shares renewal quotation information and connects you with a licensed insurance broking company. The broking company sells and services the policy, and the insurer issues it.
Why did I receive a message from InsuOpz?
Your motor insurance policy is due for renewal, and the broking company that holds your policy record uses InsuOpz to share your renewal quotations. If you do not want these messages, reply STOP and you will not be contacted again.
Do I pay InsuOpz anything?
No. InsuOpz is free for customers and never collects money. If you renew, you pay the premium to the broking company on its own payment page.
When are my details shared, and with whom?
Only when you choose an option and reply PROCEED. We then share your name, phone number, vehicle number and chosen quotation with the broking company so it can complete your renewal. We never sell your data.
Are the quotations accurate?
Quotations are prepared by the broking company from the insurers it represents, and we show them exactly as provided. Premiums can change after the quote date, so the final price is always confirmed by the broking company before you pay.
Can I talk to a person?
Yes. Reply HUMAN in the chat at any time and an advisor takes over. You can also write to contact@insuopz.com.
How do I stop the messages?
Reply STOP. We stop immediately and record your choice. Reply START if you change your mind.
Will InsuOpz ever ask for my OTP, PIN or card number?
Never. Do not share one-time passwords, PINs, card numbers or bank details with anyone who claims to be InsuOpz. Report suspicious messages to contact@insuopz.com.
Contact
We are here to help
Questions about a message you received, your data, or partnering with InsuOpz — write to us and a person will reply.
Support, privacy requests and partnerships.
On WhatsApp
Already chatting with InsuOpz? Reply HUMAN to reach an advisor, or STOP to opt out.