An insurance broker has a business with guaranteed annual renewal. The policy expires, the client has to buy again, and the only question is from whom.
Whoever reminds them first wins. That is the whole model.
What a broker's site actually needs
A page per product. Motor liability, Green Card, comprehensive cover, travel medical, home, life. These are entirely different searches with different urgencies. Someone searching "Green Card online" is not reading a page about insurance in general.
An online price calculator. The single most important function on an insurance site. A client who can find the price in 30 seconds stops calling three brokers.
A comparison between insurers. This is the broker's advantage over an agent. If the site does not show that you bring several quotes, you get treated as an agent.
A reminder before expiry. At 30 days and at 7. Automatic. It is the most direct link between a website and revenue in the entire field.
What to do when a claim happens. The page nobody reads until the day they need it — and that is the day they decide whether to recommend you.
Which documents are needed. For each product, a short list.
How long issuing takes. Immediately, within an hour, within a day. It is the second question after price.
The integrations that matter
A calculator wired to real tariffs. A calculator with hand-written prices becomes wrong at the first tariff change, and a wrong displayed price is worse than none.
Online payment and issuance. A client who can buy at 23:00 buys at 23:00. What each processor requires is written up here.
Policy records with expiry dates. Without them, reminders cannot fire. It is the foundation of the whole model.
Common mistakes
No calculator. It sends the client to a competitor who has one.
A single "Insurance" page. Six products, six searches, one page that appears in none of them.
No reminders. The client renews with whoever wrote first. Usually not you.
Prices shown without conditions. They produce complaints at issuance.
What we build
A prerendered site with a page per product, a calculator on real tariffs, online payment and automatic reminders before expiry. A comparison between insurers. Romanian and Russian. Structured data for an insurance service.
Questions
How important is the calculator?
It is the most important function on the site. The first question any client has is price, and the broker who answers immediately removes the need to call anyone else.
How do the reminders work?
Each policy's expiry date is recorded and the system sends a message 30 and 7 days ahead. It requires digital records — nothing fires from a notebook.
Can I sell policies directly from the site?
It depends on the product and on the insurers you work with. Some issue fully online, others need a signature. It gets settled product by product before the build.
Are separate pages per product worth it?
Yes, and it is the most profitable decision on this list. "Motor insurance online Chișinău" and "travel medical insurance" are different searches, and a generic page appears in neither.