Custom product (1. Product setup) functional configuration insurance solution

[Jurg]

This work instruction is part of the guide Setting up your insurance solution.

Prepare

Perform a careful analysis of the product to be configured. Our workshop templates and backlog templates can help to request all necessary information in a structured way for an efficient configuration.

Download Workshop & Backlog Templates (Dutch)

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To create a product, we must first set up the coverages, sales products, and packages. After that, an insurance policy can be added to a customer.

We start with a coverage, then a sales item, and finally the package. For each item, we create a product, where several fields must be configured specifically depending on the type.

Create a new custom product

1. Navigate to Products in Novulo, under “Management (/beheer)”.
   
   
2. Click on the plus icon to add a Product.
   
   
3. Fill out the following fields:
   
   
   • Artikelnummer/Type: Product code (e.g., MV790, MV700 for policies; for coverages, you may use the AFD element if available).
   • Naam: Specify the name of the product. Each insurer can have its own name set at the sales item level.
   • Productgroep: Select the product group for the product. All product groups should already be created.
   • Eenhedengroep/Eenheid: “Assurances” and “Policy” (for coverage, policy, and package).
   • Verkoopartikel: Check this box.
   • Other fields: Leave blank as required. We don’t need to confugure AFD-element (Referentie), Tax Determination (Belastingbepaling), Booking Scheme (Boekingschema) en ADN branche for now.
4. Save the product.

Custom product configuration

After creating the coverages and the policy, we can process all the details in the policy. The information here can later be reused in various sales items.

• Samenstelling: Link all products here. For a policy, these are the coverages; for a package, these are the policies.
• Vragen: Add all relevant questions (these can be copied from another product). .
• Standaard antwoorden: If questions have default answers, you can configure them here. You can choose whether a default answer can be overwritten or not.
  
  

Note: Questions store the required information in the product. Non-overwritable answers are not currently shown in the property overview, but they are still present in the system.

Create new sales item

Once product configuration is complete, insurer-specific sales items can be created.

If the Verkoopitems block is not visible, make sure the sales article checkbox is enabled in the product properties.

We start with the policy and then the package.

• Referentie: A free-text field to identify the sales item (e.g., MV790_005 or MV790_007 – Product Code + Sales Item Code).
• Omschrijving:
• Maatschappij: Risk carrier (internally this is a “risk pool,” which may contain multiple carriers. Currently, all organizations with a POR code are loaded here).
• Verkoopeenheid: Always set to “Policy.”
• Referentiebepaling: Select the applicable type.
• Ingangsdatum: For now, we can set this to 01-01-2025 (normally relevant for version control; choose a date in the past).
• Prijsbepaling bundel: If set to “Fixed Price,” calculations are done at the policy level; if set to “Calculated Price,” the underlying coverages are calculated and summed.
• Korting en toeslagsjabloon: Applicable to packages.
  
  

Sales item configuration

Configuration depends on the context:

1. Policy

• Samenstelling: On the left, you see the actual composition for this product; on the right, the possible composition made with custom product configuration. Select the desired coverages from the possible composition and click “Toevoegen aan tarifering”.
  
  

Add “Samenstelling” via the page settings.

• Vragen: Then, set questions and default answers for the sales item. These can be duplicated from the product (this will also copy filters, visibility rules, and validation rules). See contracts with chain partners.
  
  
• Facturatie-eenheden: Set the billing units for the policy. Use “Generate All” to automatically create multiple units.
  
  

The block “Verkoopitem” is visible only when the sales unit is set to a period, not per policy (edit sales item → change sales unit).

2. Coverage

• Vragen: Configure questions and default answers, just like with a policy sales item.

3. Package

• Samenstelling: Only the composition matters here. Do not select and add from the possible composition—instead, link an existing policy via the “Toevoegen” button on the left.

Contracts with chain partners

Note: Add an intermediary with this work instruction.

If an intermediary is configured and you want to set commissions:

• Go to the Vragen panel and add:

  • Doorlopende provisie – The percentage or amount periodically paid to the intermediary.
  • Volmachtbeloning – The compensation given to the delegated authority.
    
    

• Go to the Standaardantwoorden panel and set default answers for these questions.
  

  

• Check Overschrijfbaar if you want these answers to be editable.
  

  

Sales item pricing (tarifering)

• Prijslijst: Select the price list (e.g., “Standard – Euro” means prices are in euros).
• Prijsbepaling bundel: Determines how the price is calculated: None, Fixed Price, or Calculated Price.
• Prijsbepaling:
  • Novulo Expressions – Prices calculated with internal Novulo formulas.
  • Calculation Template – Prices calculated via a linked Excel file.
  • VPI – Linked to an external tariff module.
• Incasso door: Specify the party responsible for direct debit collections.
  
  

Discounts and surcharges

Link a discount template to automatically apply a discount based on pre-set rules.

To create a discount:

• Go to Instellingen, search for Kortingen, and configure as a fixed amount or percentage.
• Use Novulo Expressions to apply them dynamically based on conditions.

Version control

Version control allows you to create and manage multiple versions of the same sales item. Useful for making changes (e.g., terms, rates, coverage) without altering the existing version.

Click Versiegroep to see all linked versions. From here, you can manage or delete versions.

Insured object(s)

Some insurances require linking objects (e.g., in motor insurance).

• In the product group settings, check “Heeft verzekerde object(en)”.
• Access insured objects via the Verzekerde objecten panel in the sales item.
  
  

Clauses and terms

Clauses and terms define the specific conditions of the insurance.

• Clausules: Add any clauses that apply (extra provisions or exceptions to standard coverage).
• Voorwaarden: Add general or specific terms applicable to the product or policy.
  
  

Adding new questions and answer scales

If a question can be linked to an AFD element, do so. Always check if the question already exists before creating a new one. This saves rework later and ensures consistent data exchange. Before creating anything new, first check whether the question and answer scale already exist and reuse them if possible.

Each question has an Antwoordschaal that defines its answer format (e.g., text, date, numeric, multiple choice). Reuse existing ones when possible.

To create:

• New Answer Scale: Go to Instellingen, search for “Antwoordschalen.”

• Create or select the scale that matches the expected data type and constraints for the question.
  

  

• New Question: Go to Instellingen, search for “Vragen.”

• Create the question, select the appropriate answer scale, and, if applicable, link the AFD element.
  

  

Adding a new product group

A standard set of product groups is predefined. In specific cases, you may need to create a new one.

Go to Instellingen, search for Productgroepen. Choose the parent group under which you want to add a new subgroup.

Fields:

• Nummer: Identifier for the group you are creating.
• Naam: Display name of the product group.
• Actief: Indicates whether the group is active.
  
  

Properties in the settings panel:

• Type groep: Indicates the highest level/category for the group and drives where the group sits in the hierarchy.
• Toon treeview: Toggles whether the hierarchical tree (navigation structure) is shown for this group.
• Gebruik versies: Enables versioning so you can maintain multiple versions of product groups in parallel.
• Vergoedingen: Enable if you want to link commissions/remunerations to this product group.
• Extra kosten: Enable if extra charges can be attached at product-group level.
  
  

Setting filters & validation

In Novulo, you can configure filters and validation for questions within a sales price list item (verkoopprijslijstitem). Use filters to restrict visible answer options; use validation to enforce input rules.

1. Filters

For multiple-choice questions, filters ensure users only see relevant options.

• Go to the sales item, select the question, and open the Vraagkoppeling bij verkoopprijslijstitem panel.
• Check “Antwoordmogelijkheden filteren” to add filters.
• Scroll down to the two panels:
  • Filters (left) – currently applied filters
  • Mogelijke filters (right) – available options to filter on
• Select the needed answer in Mogelijke silters and click “Filters toevoegen”. The selected answer appears in Filters.
  
  

You can also filter answers based on another question by checking “Antwoordmogelijkheden filteren met andere vraagkoppeling”. Choose the relevant question in Possible Filter Questions and click “Filtervragen toevoegen”. The selected question appears under Filter Questions.

2. Validation

Use validation to enforce rules (e.g., value must be ≥ 0).

• Go to the sales item, select the question, and open the Validatie panel.

• Click “Voeg validatie toe”.
  

  

• You’ll land on a Validation Group.
  

  

• Choose Validation Rule (single condition) or Validation Group (multiple rules combined):

  • Type - Regel – A single condition (e.g., number of employees ≥ 0).
  • Type - groep – Multiple rules combined with AND/OR logic.

• Operator: EN/OF determines how rules in the group combine.

• Message: – the error text shown to users when validation fails.

• For Validation Rule Type, you can choose for a:

  • Vaste waarde: compare the answer to a specific constant.
  • Vergelijk met andere vraag: compare to the answer of a different question.
  • Vaste waarde van een andere vraag: je vergelijkt het antwoord met een vaste waarde die gekoppeld is aan een andere vraag.

• Operator: greater than, less than, equal to, not equal to, greater than or equal to, less than or equal to, is empty, is not empty.

  • Groter dan
  • Kleiner dan
  • Gelijk aan
  • Ongelijk aan
  • Groter dan of gelijk aan
  • Kleiner dan of gelijk aan
  • Is leeg
  • Is niet leeg

• Value: enter the comparison value. The expected input type depends on the answer scale chosen for the question (e.g., number vs. text vs. date).