01
Policy administration and renewal history
Keep a customer's policy periods connected for reference, but treat each renewal as a new financial cycle. A compulsory cover and a comprehensive cover can have different insurers and therefore different settlements.
- Customer, vehicle and policy terms.
- Expiring policies and next action.
- Separate financial records for each cycle.
02
Receivables and insurer settlements
Distinguish the gross premium from the insurer amount due and the agency commission. Cash collection, bank transfers, endorsed cheques and commission offsets require separate treatment in the settlement history.
- Insurer-level balances.
- Agreed commissions and adjustments.
- Mixed settlements and traceable reversals.
03
Make due dates actionable
The daily priority list should surface overdue customer instalments, cheque maturities and renewals before they become missed tasks. A cheque that returns must change the affected balances without deleting its original history.
- Collection follow-up.
- Cheque clearance and returns.
- Renewal reminders and company obligations.