How to use PolicyPal.Dev
Four tools, four short walkthroughs. Jump to the one that matches your situation. Most people get from sign-up to a finished report in under 10 minutes.
Policy Review walkthrough
Upload an existing insurance policy. We highlight gaps in cover, explain what's driving your premium, and suggest specific ways to lower it.
Open Policy Review from your dashboard
Sign in and tap Policy Review on the dashboard. Use this tool when you already have an insurance policy and want to know whether you're properly covered and whether you're paying too much.
Spot gaps and ways to cut your premium.
Check coverage before you file.
Upload your policy schedule
Drop in your policy schedule (the PDF that lists your sums insured, excesses and premium). The Statement of Fact is optional but helps us flag non-disclosure risks. Pick the currency you want amounts shown in.
Your documents are processed for your analysis only — not used to train models, not stored long-term.
Pay $3 and wait for the report
Checkout is embedded — no redirects. Stripe handles the $3 charge in your chosen currency. Most Policy Review reports finish in 1–3 minutes. You can close the tab and come back; the report waits under Past analyses.
Read your Policy Review report
Your report breaks down into clear sections:
- Plain-English summary of what your policy actually covers.
- Gaps in cover — risks your policy doesn't protect against.
- Premium drivers and concrete ways to lower your premium.
Tap Download PDF to save or share with a broker.
Solid baseline cover with a few notable gaps worth addressing.
- • Accidental damage not included
- • Bicycle cover capped at $500
- • Raise voluntary excess
- • Pay annually instead of monthly
Claim Clarity walkthrough
Something happened? Before you file, find out if it's covered, what your excess is, and whether your repair quotes look fair — item by item.
Open Claim Clarity from your dashboard
Pick Claim Clarity when something has happened and you want to know — before you file — whether it's likely to be covered, what your excess is, and whether your repair quote looks fair.
Spot gaps and savings.
Check coverage before you file.
Describe what happened
Pick the claim type — material damage (something is broken, stolen or damaged) or non-material (e.g. liability, loss of use) — and write a short description of the incident.
Be specific: dates, what happened, what was affected. The more context, the sharper the report.
A burst pipe flooded the kitchen on 12 June. Cabinets, flooring and a dishwasher were damaged. Plumber attended same day.
Itemise everything you're claiming for
Add a row for each item you want to claim — flooring, cabinets, appliances, and so on. Add an estimated value if you have one. You can add as many items as you need.
We check each item individually for coverage, sub-limits and whether your value looks fair.
Upload your policy, photos, videos and quotes
Upload your policy schedule (and Statement of Fact if you have it). Then attach photos and videos of the damage and any repair invoices or quotes — you can add multiple files to each section.
Photos and videos help us build an independent estimate to sanity-check your quotes.
Read your Claim Clarity report
Your report tells you, in plain English:
- Is it covered? Relevant policy section, exclusions to watch, non-disclosure risk.
- Your excess and where we found it.
- Per-item verdict — covered yes/no, fair value, sub-limit.
- Invoice check — are your quotes high, fair or low?
- Estimated payout after your excess is deducted, plus a PDF.
- • Flooring — covered · fair value $1,300
- • Cabinets — covered · fair value $850
- • Dishwasher — covered · quote looks high
Renewal Review walkthrough
Upload last year's and this year's policy. We compare them side-by-side and tell you whether your renewal price hike is justified.
Open Renewal Review from your dashboard
Pick Renewal Review when your insurer has sent a renewal quote and you want to know what's changed since last year — and whether the new price is justified.
Compare last year vs this year. See if the hike is justified.
Upload last year's and this year's policy
Drop both policy schedules into the two upload zones. Add any wording or statement-of-fact documents you have. Then pick your currency.
Pay $3 and read your comparison
Your Renewal Review report tells you, side-by-side:
- Premium change in $ and %, with a verdict on whether it's justified.
- Cover added, removed or changed between the two policies.
- Excess changes and what's driving the new price.
- Recommendation — accept, negotiate or shop around — plus a PDF.
- + Accidental damage added
- − Bicycle cover removed
- ~ Excess $500 → $250
Claim Appeal Helper walkthrough
Denied claim? Upload the denial letter and your policy and get a structured, plain-English appeal letter ready to send.
Open Claim Appeal Helper from your dashboard
Use Claim Appeal Helper when an insurer has denied your claim and you want a structured, plain-English appeal letter you can send.
Turn a denied claim into a ready-to-send appeal letter.
Upload the denial letter, your policy and any evidence
Attach the denial letter from your insurer, your policy documents, and any supporting evidence (photos, receipts, expert reports, correspondence). Add a short account of what happened in your own words.
Pay $3 and get your appeal letter
Your report includes:
- Strength rating — how strong your appeal looks.
- Each denial reason countered with reference to your policy.
- A copy-ready appeal letter — subject, salutation, body, sign-off.
- Next steps if rejected (ombudsman, regulator) — plus a PDF.
Dear Claims Manager, I am writing to formally appeal the decision to deny claim reference #A1234. Section 4.2 of my policy explicitly covers…
- • Escalate to the insurer's internal review
- • File with the Financial Ombudsman
Ready to run your first analysis?
Each analysis is a one-off $3 charge in the currency you choose. No subscription, no hidden fees.