Rex · Inbound receptionist
Replaces: Receptionist + client services
Answers every call, 24/7. Captures the risk, routes urgent claims, books callbacks. Zero calls ever reach voicemail.
Agentic AI for insurance — system online
30 employees.One subscription.
Kwoter AI is the AI operating system for UK insurance brokers: fifteen AI employees covering every department, from reception to renewals to compliance to finance. They learn from every conversation. They never clock off.
AGENTS 15STAFF VALUE REPLACED £738,750/YRPRICING TBALEARNS 24/7NEVER CLOCKS OFFLIVE IN DAYS NOT MONTHSAGENTS 15STAFF VALUE REPLACED £738,750/YRPRICING TBALEARNS 24/7NEVER CLOCKS OFFLIVE IN DAYS NOT MONTHS
01The problem
Brokers are drowning in admin.
The software brokers already run doesn't help — it just stores the problem. Acturis, SSP, Open GI: very sophisticated filing cabinets. None of them do any of the actual work.
01
Calls go to voicemail after 5pm
82% of clients will switch broker over slow response. Every missed call is a missed renewal or lost new business.
02
Renewals fall through the cracks
Renewals execs manage 200+ accounts each. Manual chasing means clients lapse without a proper conversation.
03
Compliance is a manual nightmare
FCA Consumer Duty requires evidenced outcomes on every client. No broker has the headcount to do it properly.
04
Commission leaks everywhere
Brokers lose 5–15% of commission income to reconciliation errors nobody has time to catch.
05
Marketing is an afterthought
Most SME brokers have no marketing function at all. Referrals and hope. No ads, no SEO, no campaigns.
06
No real-time intelligence
Principals are flying blind. By the time a retention problem shows up, twenty clients have already left.
02The maths
Hiring this team would cost you
£0
a year, every year.
Kwoter AI will cost a fraction of that.
Pricing to be announced.
Launch pricing · TBA
03The workforce
Fifteen agents. Every department.
Each one does the job of a trained specialist. They don't get sick, they don't leave for a competitor, and they work at 3am without overtime.
Otto · Outbound sales
Replaces: 2× telesales executives
Calls every web lead back within 60 seconds. Five-touch follow-up. Never lets a lead go cold.
Rene · Renewals
Replaces: 2–3× renewals executives
Pulls the 90-day renewal pipeline from your BMS and works it end to end, with FCA Consumer Duty checks built in.
Cleo · Claims
Replaces: Claims handler
FNOL intake 24/7 by voice or online. Insurers notified immediately, clients briefed within five minutes.
Cora · Compliance
Replaces: Compliance officer
Consumer Duty file monitoring, SM&CR register, AML screening, complaints deadlines. Fully auditable.
Finn · Finance director
Replaces: Finance manager + part-time FD
Daily cash and P&L, commission reconciliation against insurer statements, credit control, board-ready accounts.
Max · Marketing
Replaces: Marketing manager + agency
Email campaigns, SEO, blogs and LinkedIn in your brokerage's voice. A content department without the headcount.
Ada · Ads manager
Replaces: Paid media agency
Runs Meta and Google campaigns end to end. Scales what works, kills what doesn't. No agency fees.
Ana · Analytics & MI
Replaces: MI analyst
A morning MI pack every day: GWP, conversion, retention, cash. Flags at-risk accounts before they leave.
Chase · Sales manager
Replaces: Sales manager overhead
Watches the pipeline in real time, flags stalled quotes, tracks conversion per exec, writes the sales meeting agenda.
Kay · Account manager
Replaces: Account exec overhead
Monitors the client book for trigger events and drafts proactive outreach. Keeps every relationship warm.
Doc · Document processing
Replaces: Policy processor / admin
Reads insurer documents, populates the BMS, processes bordereaux, files everything to the right record.
Lloyd · Underwriting support
Replaces: Underwriting assistant
Researches insurer appetite, drafts specialist market submissions, compares wordings for coverage gaps.
Hera · HR & onboarding
Replaces: HR administrator
FCA registrations, joiner checklists, CII training deadlines, offboarding. The machinery of HR, handled.
Iris · Intelligence
Replaces: A function no SME broker has
Monitors competitors' ads, insurer appetite shifts and your PCW positioning. A weekly intelligence digest.
Total staff value replaced: £738,750 a year
04The intelligence
It gets smarter every single day
This is agentic AI, not a chatbot. The workforce acts on its own initiative, learns from every interaction, and compounds: the longer it works for you, the better it gets.
i
It listens
Every call, email and WhatsApp across your brokerage lands in one shared brain. Nothing is forgotten, nothing falls between desks.
ii
It remembers
Every client, every quote, every conversation, forever. The workforce shares one memory, so any agent can pick up where another left off.
iii
It improves
Train it on your own recorded calls. Your best seller's winning technique becomes the baseline for the whole team, human and AI alike.
05Schemes
Schemes in hours. Not months.
Spotting a niche used to be the easy part — building the scheme took a quarter. Put the workforce on it and the research, wordings, rating and compliance legwork happen in a working day.
06Why Kwoter wins
Five moats no one can cross.
01
Built in production first
Every agent runs today at Kompare on real leads, real money and real regulatory risk. Not prototypes. Proven in the wild.
02
Built by insurance people
We know what a renewal chase should say at day 3 versus day 30, and what Consumer Duty evidence means. This was built from inside a brokerage.
03
Fifteen agents, not one
Competitors build one thing. Kwoter is an operating system: agents that share context and trigger each other. Copy one agent — you can't copy the coordination.
04
Plugs into what you run
Kwoter sits on top of Acturis, SSP, Open GI — whatever you already use. No rip-and-replace, no switching costs. Try it without changing anything.
05
The lead pipeline
Kwoter brokers get access to Kompare's daily pipeline of real, qualified insurance leads. We bring the technology and the clients. Nobody else can offer that.
07Pricing
Pricing: to be announced.
Four tiers, priced for SME brokers rather than enterprise IT budgets. Launch pricing is being finalised now — book a demo and you'll be the first to hear it. Plug into the systems you already run and go live in days, not months.
Starter
TBA
to be announced
The two highest-ROI agents. The entry point.
- Rex — inbound receptionist
- Rene — renewals
- Basic MI dashboard
- 24/7 call handling
Growth
TBA
to be announced
Add new business and marketing firepower.
- Everything in Starter
- Otto — outbound sales
- Max — marketing
- Ada — ads manager
- Chase — sales manager
- Cleo — claims
Recommended
Pro
TBA
to be announced
The full suite. The 30-employee replacement.
- Everything in Growth
- Ana — analytics & MI
- Doc — document processing
- Kay — account manager
- Lloyd — underwriting support
- Iris — intelligence
- Hera — HR & onboarding
Enterprise
TBA
to be announced
Plus the regulated finance and compliance agents.
- Everything in Pro
- Cora — compliance (FCA)
- Finn — finance director
- White-label option
- Kompare lead pipeline access
- Dedicated account management
Running an AR network? White-label Kwoter as your own platform. Details on request.
08The horizon
Next: agents that price risk.
Everything the workforce hears and writes feeds one underwriting brain. By 2027 it won't just run your brokerage's legwork — it will tell you what to write and what to charge for it.
Now
Six agents live in real brokerages: answering, selling, marketing, coaching, handling claims and researching.
2026
The full ten. Complete phone applications end to end, replacement ads shipped on one-click approval, renewals worked autonomously.
2027
The workforce learns to weigh risk itself: which risks to write, which to walk away from, and what to price them at.
Grow faster than anyone else
Bring your brokerage into the 21st century.
The workforce is hiring out now. See it live on your own products, on your own phones, in a twenty-minute demo.