Motor cover in Ghana is a 12-month contract that quietly expires. Most policies lapse in silence — no reminder, no easy way to pay, no second touch. Veneka's game-changer layer sits on top of Serene's existing policy admin and turns every renewal into an automated journey: engage the policyholder on their channel, then collect the premium in-thread by MoMo. Figures below are indicative; engagement journeys are a configurable capability, shown illustratively.
Every motor policy has an expiry date. Left alone, a policy that reaches expiry without contact simply lapses — the customer is uninsured and Serene loses the premium. Here is a sample book with each policy's lapse risk.
| Policy | Policyholder | Cover | Premium | Expiry | Lapse risk |
|---|---|---|---|---|---|
| MOT-1042 | Ama Boateng | Comprehensive | GHS 1,850 | in 30 days | On track |
| MOT-0987 | Kofi Mensah | Third-party | GHS 640 | in 7 days | At risk |
| MOT-1120 | Yaa Danso | Comprehensive | GHS 2,100 | in 3 days | Critical |
| MOT-0771 | Kwesi Owusu | Comprehensive | GHS 1,430 | in 12 days | At risk |
| MOT-0602 | Efua Sarpong | Third-party | GHS 590 | lapsed 9 days ago | Lapsed |
A "book" is the set of live policies. Today, roughly one in two of these renews on time.
Instead of hoping the customer remembers, Portfolio Manager runs a scheduled engagement journey and Subscription Manager collects the premium in the same thread. Watch it run for Yaa Danso (MOT-1120) — the critical policy.
The journey meets the policyholder on the channel they use. WhatsApp shown here; SMS and USSD carry the same steps for feature phones.
Idle — press Run renewal journey to play the T-30 → T-7 → offer → MoMo → renewed sequence.
A policy that already lapsed is not lost. A targeted win-back journey re-opens the conversation and offers one-tap reinstatement. Here: Efua Sarpong (MOT-0602), lapsed 9 days ago.
| MOT-0602 · Efua Sarpong | Third-party | GHS 590 | Lapsed |
Sends a reinstatement offer over WhatsApp / SMS with MoMo one-tap.
Every policy is segmented by lapse risk, and each segment has a next action that fires automatically — no one has to remember to chase.
| Segment | Policies | Next automated action | Channel | Timing |
|---|---|---|---|---|
| On track | MOT-1042 | T-30 renewal reminder | Scheduled | |
| At risk | MOT-0987, MOT-0771 | T-7 nudge + MoMo offer | WhatsApp / SMS | Queued |
| Critical | MOT-1120 | Same-day offer, one-tap pay | WhatsApp / USSD | Now |
| Lapsed | MOT-0602 | Win-back + reinstatement | SMS / WhatsApp | Day 3, 9, 21 |