General, Standard Answers & Add-Ons
If your brokerage deals with products where many of the policy questions always have the same answers, or where the premium is a pre-agreed sum, then it may save time to set-up a standard set of answers or "defaults" for each.
"Add-On" policies are a typical example of this. The only difference is that they're policies sold on the back of others, for example, a Legal Expenses policy from DAS, or a Breakdown Cover policy from ARAG, which might be sold on the back of a Private Motor policy from some other insurer, like Tradewise.
"Default" policies can be created for a specific plan name (e.g. an Allianz Cornhill, Private Motor, Horizon plan), or at the product level for a given insurer (e.g. Allianz Cornhill, Private Motor), or generically at the product level (e.g. any Private Motor policy). On the other hand, "Add-on" policies are always specific (e.g. ARAG, Other, Breakdown Cover"), but otherwise they are also "Defaults".
To create a default policy with standard answers, or an add-on, starting from Durell’s Main Menu...
Fill-in the default policy with your standard answers, leaving the non-standard ones blank, then save and exit as usual. The example above shows a Combined policy "Default" for all insurers, with a more specific one for ALLIANZ CORNHILL, and another specific Breakdown Cover one for ARAG that can also be used as an "Add-on".
When you return to the scrolling list of "Defaults by Client Name", shown above, you'll be able to see all the defaults that you’ve created so far. If any of them are add-ons, like the ARAG one shown above, simply tick the box "Default will be used as an add-on template" and give it a name to appear in the selector for add-ons, shown second below.
Click the “Exit Door” button to leave and return to the normal Policies screen.
Using Default Policies with Standard Answers
The next time you start a policy of a type (e.g. Commercial) for which you've created defaults a pop-up will appear, as shown below. Simply highlight the one you wish to use, click “OK”, then proceed with the policy as usual
The only difference with an add-on is that you don't need to start it like a separate policy - you can select it direct from the Premium Details screen of any policy by clicking the "Add-ons" button at the bottom right. This will activate a pop-up that'll list all existing add-ons for the policy, which you can edit and delete, if required. It also has an "Add" button that'll activate a further pop-up listing all the available add-ons : simply click the one you want, then give it a policy reference and (if required) edit its dates, which will otherwise default to the main policy's ones.
Once you've completed your add-on, if required you can use the "Jump to policy to edit premium" button to jump to its own policy screens to edit it further, or use the "Edit" button just to change its policy ref and dates. Note that it will automatically post along with the main policy, even though it is to a different insurer. Other than this though, it is a separate policy in its own right, and will appear on your scrolling list of all Policies.