Build customer loyalty long before renewal

Build stronger engagement and a clearer understanding of risk in the three months before renewal. App Before Renewal gives insurers and brokers control over the experience, using driving insights to support more informed renewal pricing, improve retention and protect renewal loss ratio.

The Renewal Challenge

Keeping customers while protecting profitability is a careful balance. In a competitive, price-sensitive market, insurers need to demonstrate value beyond the premium and understand which risks they want to retain.

The Insight

Rising prices put retention under pressure

As motor insurance prices rise, customers have more reason to compare quotes and question the value of renewing. Insurers need to strengthen the relationship before the renewal price arrives.

Expected increase in motor insurance prices

in 2026, according to EY

What this means for renewal

Customers shop around more

Price sensitivity increases

Renewal retention comes under pressure

Give customers a reason to stay before price becomes the deciding factor.

The Problem

Renewal engagement starts too late

By the time a renewal invitation arrives, customers may already be considering their options. Starting the conversation earlier creates more opportunity to demonstrate value and understand their risk.

Price takes centre stage

Without meaningful engagement during the policy year, customers have fewer reasons to look beyond the premium.

Customers are already comparing

Comparison sites and competing offers can capture customers’ attention before your renewal invitation reaches them.

Decisions become reactive

Without fresh driving insights, insurers and brokers have less information to guide renewal pricing and retention decisions.

Engaging earlier helps you take a more informed approach to retaining customers while protecting renewal loss ratio.

The Opportunity

Start building the case for renewal three months earlier

Engage customers ahead of renewal to demonstrate value, understand their driving behaviour and make more informed decisions before setting the renewal price.

EARLIER

Build the relationship sooner

Create meaningful reasons to engage before customers start weighing up renewal options.

INFORMED

Bring fresh insight to pricing

Gather real-world driving insights over three months to support a clearer understanding of risk at renewal.

MANAGED

Shape the renewal journey

Plan customer touchpoints, feedback and offers in advance to make renewal a natural next step in an ongoing relationship.

The solution

App Before Renewal

A simple way to engage customers ahead of renewal, with insurers and brokers in control of the experience. Driverly helps you:

Begin meaningful engagement around three months before renewal

Focus on customer segments with the potential to improve retention and renewal loss ratio

Identify higher-risk driving earlier and use those insights to make more informed pricing and retention decisions

How It Works

A renewal journey you control from start to finish

Bring App Before Renewal into your existing customer journey, with your branding, your chosen customer segments and no IT integration required.

Step 1

Launch under your brand

Configure the app with your branding in minutes

Launched on your own Google Play and App Store accounts

Access driving insights through the admin panel

No IT integration required

Get started in days, with no additional hardware or lengthy development project.

Step 2

Engage customers ahead of renewal

Choose the customer segments you want to reach

Invite them by email or SMS with a direct download link

Begin around three months before renewal

Control who receives an invitation, when it arrives and how it is presented

Step 3

Build a clearer picture of driving behaviour

Gather driving insights over six to eight weeks

Give drivers clear, personalised feedback

Receive data and updates throughout the programme

Keep customers involved through useful feedback while building the insights to inform renewal decisions.

Step 4

Put insights into practice

Use behavioural data to better understand risk ahead of renewal

Retain full control over how scores inform pricing and retention

Identify higher-risk driving and opportunities to retain lower-risk customers

Driverly supports you in translating driving scores into a practical pricing and discount approach that fits your renewal strategy.

Value for Everyone

Better renewal outcomes for customers, brokers and insurers

App Before Renewal brings earlier engagement and driving insights together to support more informed pricing and stronger customer relationships.

Customers

Safer drivers can benefit from renewal discounts that recognise how they drive.

Brokers

Give customers more reasons to renew, with opportunities to offer competitive pricing to safer drivers, including those in higher-risk or higher-premium segments.

Insurers

Identify safer drivers ahead of renewal and use behavioural insights to improve retention while protecting renewal loss ratio.

Driving AppExplore the features, branding options and launch process behind App Before Renewal.Explore →Improve Loss RatioDiscover how richer risk insights can support more accurate pricing at quote and renewal.Explore →Customer EngagementBuild lasting relationships through personalised feedback, rewards and meaningful contact throughout the policy year.Explore →

Build a stronger renewal strategy

Talk to our team about how App Before Renewal can help you engage customers earlier, make more informed pricing decisions and improve retention while protecting renewal loss ratio.

Let's Chat