Recover your unpaid premiums and reduce cancellations with AI
Without contact, unilateral cancellation becomes the only outcome. GetBill calls your policyholders, qualifies the reason for non-payment and resolves the situation: expired card, direct debit rejection, oversight, bank change, dispute.
Insurance debt recovery software for insurers, mutuals, brokers and insurtechs.
No contact, no qualification: cancellation
Monthly billing has multiplied due dates, and with them unpaid premiums. Yet most cancellations are avoidable: the problem is not the policyholder acting in bad faith, it is that nobody speaks to them before the legal deadline expires. With contact, you qualify the reason and save the relationship.
Cancellation as the only outcome
Article L113-3: 10 days after the unpaid due date, formal notice by registered mail. Then 30 days of coverage suspension, and cancellation possible from the 10th day of suspension. Result: policies cancelled when the policyholder simply wanted to regularize.
Monthly billing multiplies unpaid premiums
The shift to monthly billing has caused an explosion in direct debit rejections: expired cards, unreported bank changes, outdated account details. Often small amounts (60 to 100€), but at massive volumes. 12 due dates per year instead of one means 12 opportunities for default.
Unreachable policyholders
Your teams call during business hours, your policyholders are at work. Letters are ignored. Emails end up in spam. Without contact, it is impossible to qualify the reason or propose a solution.
Massive churn cost
Acquiring a new policyholder costs 7 to 9 times more than retaining an existing one. Every avoidable cancellation is a net loss: premium, commission, acquisition cost. Recovery is a retention lever.
GetBill adapts to all your policyholder segments:
Re-establish contact before cancellation takes hold
As soon as an unpaid premium is detected, GetBill triggers a multichannel scenario. The goal: reach the policyholder and resolve the situation within the first 10 days, before the formal notice and coverage suspension.
- SMS, email, RCS with payment or bank details update link
- Personalized voicemail drops, generating inbound callbacks
- AI calls during peak answer windows (5:30pm to 7:30pm)
- Automatic formal notice letter (Article L113-3)
Scenario: unpaid monthly premium
An AI agent that qualifies, resolves and saves the policy
The GetBill AI agent calls your policyholders with unpaid premiums, understands the cause and acts: bank details update, online payment or installment plan. Nearly one in ten cases reveals a dispute (already paid, unsigned policy, billing error): the AI detects it and immediately escalates to your teams.
- Automatic qualification: expired card, SEPA rejection, oversight, dispute, contestation
- Payment link or bank details update sent by SMS
- Real-time installment plan negotiation, according to your rules
- Financial vulnerability detection
- Available evenings and weekends, including during staff absences
- Handover to an advisor with full conversation summary
Let your policyholders regularize on their own
An online space accessible 24/7: your policyholders check their situation, update their bank details and pay their premium, without waiting for your teams.
- Online payment and self-service installment plan selection
- Bank details update (account number, card)
- Premium dispute and error reporting online
- Inbound calls handled by AI agent evenings and weekends
- Available in 160 languages, web and mobile
Estimate your unpaid premium recovery
* Based on a cost of 1€ per case processed
What recovery teams are saying
Compliant, secure, connected
Hosted in France, bank-level encryption, full GDPR and AI Act documentation.
Every contact is a chance to save a policy
Start with a pilot on one segment (monthly premiums, expired cards), with no heavy integration. We measure results together.
Frequently asked questions
They integrate with GetBill
