Refer

Creating custom referral rules for quotes so you can review them before or after pricing

The 'Refer' step allows you to set rules around when a specific quote triggers flag, so that your team knows it needs to be reviewed before progressing.

The Refer step

How might you use the 'Refer' step?

If you were building a pricing model for insurance, you may have set certain criteria that requires additional oversight before deciding to accept or reject a quote.

For example, you may want to flag any quotes from young drivers that have 0 years of No Claims Discount to your actuarial team before making a decision on whether you'll write their business.

You can pass information about referrals back to your policy management system using API Webhooks so that your team knows which quotes they need to review before approving or rejecting.

1. Add a new referral rule

Once you've added the 'Refer' step and named it, like you will with any other step in the Build tool (more on that here), you'll need to add rules for which referral rules will apply to which quotes.

To get started, click the cog symbol in the top right of the 'Refer' step.

Once you've opened the step, click the 'ADD' button in the top right of excess table.

ADD button for new exclusions

2. Create your referral rule

There are just two elements to each new referral rule you add, whether you're adding a new rule or editing an existing one.

Name

Give your referral rule a descriptive name. This identify the referral rule in your table, so make sure it's unique and easy to understand.

Expression

Write an expression to determine which quotes are referred. This will need to include which data input(s) you want to be looking at, and the conditions that you use to apply your referral rule.

Here's an example of how you would structure an expression using the customer's age and years of No Claims Discount as an input, choosing to apply a referral rule if they're under 21 and have 0 years of No Claims Discount:

{{proposer_age}}<21 && {{vehicle_ncd}}==0

To learn how to structure your expression in more detail, debug and to see the full glossary, check out our full page on Syntax.

Add new referral rule dialogue

3. Save your referral rule

Once you're happy with the referral rule you've added, just press the 'Save' button in the bottom right of the modal and you're ready to add more referral rules to the table if you want to.

Save referral rule button

4. Add, edit or delete referral rules

To add more new referral rules, repeat the steps above. Alternatively, you can edit and delete referral rules you've already added.

To bulk edit all referral rules, you can use the buttons to the top left of the referral rules table download as a CSV, edit and then re-upload your referral rules table.

Upload and download buttons

5. Save the step

Once you're happy with all of the referral rules in your table, just press the 'Save' button in the top right of the screen. You're now ready to head back to the 'Build' screen.

Save step button