# Manual policy application (2. Policy Request for new & existing clients) functional configuration insurance solution

**URL:** <https://community.novulo.com/t/manual-policy-application-2-policy-request-for-new-existing-clients-functional-configuration-insurance-solution/793>\
**Category:** Insurance\
**Tags:** implementation, insurance, functional-config\
**Created:** [August 13, 2025, 1:32pm UTC](https://community.novulo.com/t/manual-policy-application-2-policy-request-for-new-existing-clients-functional-configuration-insurance-solution/793 "2025-08-13T13:32:09Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![Jurg](https://yyz2.discourse-cdn.com/flex008/user_avatar/community.novulo.com/jurg/32/1670_2.png) [@Jurg](https://community.novulo.com/u/Jurg)\
**Post date:** [August 13, 2025, 1:32pm UTC](https://community.novulo.com/t/manual-policy-application-2-policy-request-for-new-existing-clients-functional-configuration-insurance-solution/793/1 "2025-08-13T13:32:09Z")

</div>

> This work instruction is part of the guide [Setting up your insurance solution](https://community.novulo.com/t/setting-up-your-insurance-solution/582).

This work instruction outlines the steps to manually create an insurance policy for a customer, including associated objects and coverages.

# Add an insurance policy

After creating a saleable product (see the directive ‘Product setup’), you can manually add this to a customer.

1. In the main menu, navigate to the tile ‘Customers’.  

2. Choose your customer from the list and click on their name; the relations card will now open  

3. Select ‘Add insurance’ under the button ‘More’ in the upper right corner. You can also do this via the tile on the left side of the screen. A new window will open

4. Fill in the required fields:

5. Choose ‘Save’ in the upper right corner.

6. A basic draft version of the insurance will be created  

- Choose ‘Save’ in the upper right corner.

The foundation is in place! An insurance has been added to the customer’s account.  
Dependent on the product setup there could be follow-up actions to add an object and/or coverages.

# Add an insured object

In some cases an insurance policy also includes an insured object. In this example we will add a car for a car insurance.

1. On the insurance page you can find the block ‘Insured objects’  
 ![image](https://canada1.discourse-cdn.com/flex008/uploads/novulo/original/2X/d/d03199db0f984e2c9efc3e50a5ae5bcfba089b1e.png)
2. Select ‘Add new object’, a new tab will open  
 ![image](https://canada1.discourse-cdn.com/flex008/uploads/novulo/original/2X/5/5bedeca6ad0ef9df167e9119d8e324de309fdb74.png)
3. A ‘Car object’ is automatically created, including a reference and description. Edit if necessary
4. Select ‘Save’

You have now created an insured item and can return to the insurance page.

# Adding coverages

After creating the insurance policy and adding the objects, additional coverage can be added. Some policies come with standard (required) coverage, which will be added automatically (for example, third-party liability insurance with the car insurance mentioned above).

1. On the insurance page you can find the block ‘Coverages’ (or ‘Dekkingen’)  

2. Select ‘Add new’, a new tab will open  

3. Here you will see all the coverages possible to select to this policy. Check the boxes of the coverages you want to add, and select ‘Add’

4. The added coverages can now be found in the navigation menu on the left side of the screen on the insurance page

5. If information needs to be filled in for a coverage you can select the magnifying glass to view and enter its properties.  

6. A new tab will open

7. Fill in all the required information and select ‘Save’  

# Finalize the insurance

Now that all objects and coverages have been added, it’s time to finalize the insurance policy.  
Depending on the product configuration the finalisation process could contain several actions.  
Normally these actions will be configured in a workflow which you can start, but steps can also be performed manually.

 ![image](https://canada1.discourse-cdn.com/flex008/uploads/novulo/original/2X/b/bddcd6f6a937855e76dce054c1c09f2da41c9e0c.png)

1. Acceptance: every policy is linked to an acceptance form. Properties and / or information need to fulfill requirements before a policy will be accepted. For example a car insurance doesn’t insure cars with a value above €100.000,- or you cannot be older than 80 to apply for a death risk insurance.

2. Calculate premium: the premium will be calculated for the coverages which will be shown in the policy and which will create the Billing Lines and Invoice Lines.  

Good job! The insurance policy has been finalized for this customer!