Your brokers cannot call 800 households a month. Nexora can.

What it replaces

Thirty to forty-five minutes of broker time per household spent on a structured IDD-mandated annual coverage review. The same checklist. For 500 to 800 households. Every year. Most of them never happen.

What Nexora does

Calls every household on the broker's schedule in the client's preferred language. Runs a structured 5–8 minute Jahresgespräch that checks life-situation changes (address, marital status, employment, property, vehicles), flags coverage gaps, and schedules the broker for any real conversation. Captures full IDD-compliant documentation: who was called, when, what was asked, what was answered, what was escalated.

What changes

Annual review coverage goes from twelve percent of book to sixty percent plus. The broker spends their hours on the conversations that actually matter: a client whose mortgage just cleared, a client whose child just started university, a client who just became self-employed. Everything else runs in the background.

What it replaces

The client nobody has called in eighteen months. The policy that has drifted from market rates. The household that is now a family of four but is still insured like a family of two. The client who opens the Check24 tariff comparison email because nobody else has been in touch.

What Nexora does

Identifies dormant clients from the broker management system (no contact for 12 months plus, or life-event triggers). Calls with a warm, specific opener in the broker's name. Handles first-minute objections. Captures life changes, coverage gaps, and signals that merit a human broker call. Routes hot signals to the responsible broker inside the existing system, no new inbox.

What changes

A reactivation rate of three to eight percent across the dormant cohort. For a pool of eighty thousand dormant households, that is a seven-figure incremental Courtage line. More importantly, the portfolio stops drifting. Check24 and Clark lose the lane they rely on.

What it replaces

The annual scramble in September and October ahead of the November 30 auto switching deadline. Brokers working evenings, call centres hired at €40–€80 an hour for six weeks, retention dropping a point every year the scramble gets worse, and still 12% of the auto book walks to a competitor.

What Nexora does

Sixty days before renewal, calls every at-risk household with a personalised retention conversation. Explains options at the broker's rates. Handles price objections. Can process the renewal on the spot with an SMS payment link. Escalates the genuine advisory cases (“I am changing cars,” “I just had a baby,” “my employer changed”) to the responsible broker with full context.

What changes

Retention rate improves materially inside the first cycle. The call centre spend that used to land on your October P&L line becomes a variable cost tied to actual conversations. Brokers come out of November 30 with their book intact and their sanity intact.