Carrier comparison
Quoted terms in consistent columns, with differences and client requirements visible together.
Compare the quotes and explain your recommendation.
Navi puts carrier quotes alongside the expiring policy and client requirements. Review premiums, limits and wording, then prepare a recommendation with the supporting evidence.
Compare these renewal quotes against the client brief. Show me the coverage gaps and prepare a placement summary.
Every carrier sets out its quote differently.
Carrier quotes describe limits, excesses and exclusions differently. A headline premium does not tell the broker whether the client’s requirements are met, and copying figures into a spreadsheet can separate them from the wording that qualifies them.
A cheaper quote can leave a requirement unmet.
In this fictional Example Engineering renewal, the client requires a £2m flood limit. Elm meets that limit; the broker still needs to review its excess and remaining terms.
Example Engineering LtdQuote comparison
Conversation with Navi
You
NaviCompare these quotes against our £2m flood requirement.
One quote meets the flood limit.
£2mClient’s required flood cover
Elm meets this requirement.
Comparison preparedReview the excess and remaining terms.
Carrier quotes · Flood cover
LIMIT OF INDEMNITY
Cover at a glance
HarborExcluded
£12,400 premium
Cedar£1m
£13,100 premium · £20,000 excess
Elm£2m
£14,200 premium · £25,000 excess
Elm quote · p. 7
Flood limit: £2,000,000. Excess: £25,000.
How the work gets done
01
Bring the alternatives together
Collect quote PDFs, spreadsheets and emails with the expiring policy and client requirements. Keep the full wording and endorsements with the case.
02
Compare the details
Navi extracts premiums, fees, limits, excesses, coverages, exclusions, subjectivities and dates into a comparison. It flags gaps, pricing outliers and wording differences.
03
Check and recommend
Open the source passages, correct fields where needed and resolve questions with the carrier. Review the placement summary and recommendation before using them with the client.
A sourced comparison and placement summary.
Evidence for the differences
Source passages for figures and clauses, plus manuscript wording changes for review.
Placement summary
A draft recommendation with reasons, unresolved questions and the terms the broker needs to check.
Put the review time into the differences.
A consistent comparison gives the broker a starting point for advice. Source passages make each difference easier to check, while unresolved terms stay visible in the placement summary.
The broker still gives the advice.
Meeting one limit does not establish that a quote is suitable. Review the full wording, exclusions and conditions against the client's needs.
- Confirm that the documents are the current quote versions.
- Resolve material gaps and subjectivities before finalising the recommendation.
- Review the selected terms and rationale before preparing the proposal.
Configure it around your team.
During implementation, we agree the documents, rules and outputs this workflow needs.
- The terms and comparison layout your team uses
- Client requirements and rules for flagging differences
- Your placement-summary and proposal templates
Part of Workflows: per-seat access, unlimited runs, medium-complexity extraction and a hard limit of 500 pages per run.
Explore Workflows →Bring a comparison your team spends time on.
We'll start with the task your team handles, demonstrate how Navi prepares the work and discuss a custom demo you can test.