TH Insurance Brokers

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Use your THIB work account.

Insurance renewals

Thursday, 23 October 2026 · 12 policies in the next 90 days

In progress
9
Across motor and business
Need action today
3
2 quotes to send, 1 payment to confirm
Quotes out
1
Awaiting client choice
Renewed in October
S$3,635
3 policies

Renewals

All 11, soonest expiry first

ClientExpiryDays leftStatusPremium
RL
Rachel LimSXX 2287 K
 28 Oct 2026
5 days
 Awaiting payment S$1,096
DO
Daniel OngSXX 4410 M
 03 Nov 2026
11 days
 Quotes sent —
L&
Lim & Sons LogisticsBusinessFleet motor, 6 vehicles
 08 Nov 2026
16 days
 Details received —
MF
Mohd FaizalSXX 9021 Z
 19 Nov 2026
27 days
 Details received —
PS
Priya SureshSXX 3358 T
 25 Nov 2026
33 days
 Reminder sent —
CW
Chen Wei MingSXX 7742 B
 30 Nov 2026
38 days
 Reminder sent —
OC
Orchid CateringBusinessFleet motor, 3 vehicles
 06 Dec 2026
44 days
 Reminder sent —
AT
Alex TanSXX 1234 A
 12 Dec 2026
50 days
 Quotes sent —
HL
Henry LimSXX 8820 L
 Renewed
—
 Renewed S$1,240
JK
Joanne KohSXX 5531 R
 Renewed
—
 Renewed S$980
RN
Ravi NairSXX 6674 N
 Renewed
—
 Renewed S$1,415
Showing 11 of 11

Road tax

Two groups: clients who renew themselves, and clients THIB renews for.

Open LTA page
Amounts to check
2
Look up at LTA and send
Paid, to renew
1
Renew at LTA, then confirm
Client renews
4
Link sent, awaiting confirmation
Collected for LTA
S$1,484
Held, payable to LTA

THIB renews for the client

We check the amount, collect payment and renew at LTA

ClientPlateRoad tax expiryStatus
PS
Priya SureshMon–Fri contact
 SXX 3358 T 14 Nov 2026 Amount to check
CW
Chen Wei MingWhatsApp preferred
 SXX 7742 B 22 Nov 2026 Amount to check
HL
Henry LimPaid 21 Oct
 SXX 8820 L 30 Nov 2026 Paid, to renew
AT
Alex TanReminder due 01 Jan
 SXX 1234 A 31 Jan 2027 Scheduled

Client renews at LTA

We send the link and chase until they confirm

ClientPlateRoad tax expiryStatus
RL
Rachel Lim
 SXX 2287 K 09 Nov 2026 Link sent
DO
Daniel Ong
 SXX 4410 M 28 Nov 2026 Not chosen
MF
Mohd Faizal
 SXX 9021 Z 03 Dec 2026 Renewed by client

Payments

Every payment taken through the app, and what is still to be matched.

Collected in October
S$5,119
9 payments
Unmatched
2
No bank record yet
Held for insurers
S$3,635
Payable on, not THIB income
Held for LTA
S$1,484
Road tax, payable to LTA

Ledger

ReferenceClientWhat forPayable toMethodAmountStatus
RCP-2026-0781
22 Oct 2026		 Henry Lim Road tax, 12 months LTA PayNow S$742.00 Unmatched
RCP-2026-0780
21 Oct 2026		 Rachel Lim Motor premium · SXX 2287 K MSIG Card S$1,096.00 Unmatched
RCP-2026-0774
17 Oct 2026		 Ravi Nair Motor premium · SXX 6674 N Income PayNow S$1,415.00 Matched
RCP-2026-0769
14 Oct 2026		 Joanne Koh Motor premium · SXX 5531 R MSIG PayNow S$980.00 Matched
RCP-2026-0761
09 Oct 2026		 Henry Lim Motor premium · SXX 8820 L AIG Bank transfer S$1,240.00 Matched
RCP-2026-0755
04 Oct 2026		 Chen Wei Ming Road tax, 12 months LTA PayNow S$742.00 Matched
Money held for insurers and LTA is shown apart from THIB income.

Automation

The scheduler runs at 09:00 Singapore time and sends what is due.

Reminder rules

When each segment is contacted, and from which department

Individual motor · 60 daysWhatsApp from Motor insurance · template MTR_REMIND_1
Approved
Individual motor · 30 daysWhatsApp from Motor insurance · template MTR_REMIND_2
Approved
Road tax · 60 and 30 daysWhatsApp from Road tax · template RTX_OPTIONS
Approved
Business · 90 and 60 daysEmail from Business insurance, accounts in copy
Approved
SMS fallbackWhen WhatsApp fails or goes unread for 48 hours
Phase 2
Call task · 14 days, no replyAssigned to the account manager
On

Today's run

09:00, 23 Oct 2026

Completed
7 messages sent5 delivered, 2 read
1 call task createdGrace Teo, no reply in 14 days
0 failuresAll numbers valid

Needs attention

Skipped by the run

3
Grace TeoNo consent recorded for WhatsApp
Orchid CateringNo email for the policy contact
K. RajanOpted out on 02 Sep 2026

Departments

Each department has its own WhatsApp number. Replies land in that team's inbox.

Motor insurance
+65 9856 5321

Car and motorcycle renewals, quotes, NCD and policy documents.

Mon–Fri 9.30am–6.30pmRegistered
Road tax
Not yet assigned

Road tax amounts, renewals handled by THIB, receipts.

Mon–Fri 9.30am–6.30pmNeeds a number
Business insurance
Not yet assigned

Fleet, employee benefits, work injury and company packages.

Mon–Fri 9.30am–6.30pmNeeds a number
Accounts and payments
Not yet assigned

Payment references, receipts and refunds.

Mon–Fri 9.30am–6.30pmNeeds a number
Each number must be registered on the WhatsApp Business Platform before it can send. Allow time for Meta template approval.

Message routing

Which message goes out from which number

MessageSent fromChannelTemplate
Motor renewal reminderMotor insuranceWhatsAppMTR_REMIND_1
Quotes readyMotor insuranceWhatsAppMTR_QUOTES
Road tax optionsRoad taxWhatsAppRTX_OPTIONS
Road tax renewed, receiptRoad taxWhatsAppRTX_DONE
Payment receivedAccounts and paymentsWhatsAppPAY_RECEIVED
Business renewalBusiness insuranceEmail—

Clients

Imported from THIB's records. Anything missing is flagged.

Clients
412
368 individual, 44 business
Vehicles
503
Across all clients
Needs attention
27
Missing contact, expiry or consent
Consent on file
385
93% of clients

Needs attention

These records are skipped by the scheduler until they are fixed

ClientTypeWhat is missingSource
GT
Grace TeoSXX 1105 E
 Individual No WhatsApp consent Import, 02 Oct 2026
OC
Orchid Catering3 vehicles
 Business No email for contact Import, 02 Oct 2026
KR
K. RajanSXX 4417 W
 Individual Opted out 02 Sep 2026 Client request
SW
Serene WongSXX 2901 J
 Individual No policy expiry date Import, 02 Oct 2026
Showing 4 of 27

Reports

Baselines to be agreed with THIB. Figures below are from the demo data.

Renewal rate
82%
Of policies expiring in October
Days, request to quote
1.4
Was 3.8 before the app
Days, quote to payment
2.1
Median across October
Reminders delivered
96%
142 of 148 sent

Renewals due

Next 90 days

Oct
Nov
Dec
Jan

Lost renewals

With the reason staff recorded

Cheaper directClient bought from the insurer
3
Sold the carNo replacement vehicle
2
No responseReminder and call task, no reply
2
Moved brokerReason not given
1

Inbox

Client replies by email and WhatsApp, routed to the department that sent the message. Nothing here lives in a personal mailbox.

Users & access

Who can sign in to the THIB staff admin, and what each person can do. Admins invite staff; nobody is granted access until they finish setting up.

What each role can do

Least privilege by default. Change a person's role in the table above.

AdminManagerStaffAccounts
Renewals, road tax, clients
Own department for Staff; all departments for others
Send quotes and policies to clients
Payments, ledger, exports
Automation rules and templates
Reports
Users, roles, departments, settings
Audit log

Security rules

Apply to every account

Two-factor sign-in requiredAuthenticator app on every account, enrolled at first sign-in
On
Sessions end after 8 hours idleStaff sign in again with 2FA
On
Access ends when an account is deactivatedImmediate, including open sessions
On
Every sign-in and permission change is loggedWho, when, from where. Kept 7 years.
On

Platform support access

The platform operator's team

No standing access to THIB's dataSupport access is granted by a THIB admin for a set period, and logged
Off