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Policy Auto‑Cancellation + Reinstatement – Combined Flow - Coggle Diagram
Policy Auto‑Cancellation + Reinstatement – Combined Flow
Start
Policy issued on upfront/credit basis (with valid credit days)
Credit Period
System sends payment reminders (per Premium Settlement Mode)
If fully settled → Policy stays Active → End
Else → Continue
End of Credit Period
Check outstanding balance
No outstanding → Policy Active → End
Outstanding exists → Receipting triggers auto‑cancellation request
Auto‑Cancellation Validation
Check payment history
No payment
Cancel Policy automatically
Create Credit Note (full outstanding)
Set off Debit Note → Outstanding = 0
Partial payment
Calculate utilized amount
Determine unpaid balance
Create Credit Note for unpaid portion
Set off Debit Note → Outstanding = 0
If excess exists → Create separate Credit Note for refund
After Auto‑Cancellation
Update policy status → Void
Revert to previous transaction type
Log all actions (audit log)
Generate Cancellation Notice
Store Notice in document repository
Send Notice (Email/SMS per Admin templates)
Endorsements Handling
Single unpaid endorsement
Cancel endorsement only
Policy stays Active
Generate Credit Note (endorsement amount)
Multiple endorsements
Identify earliest unpaid endorsement
Cancel it + all following endorsements
Revert policy to state before first unpaid endorsement
Generate Credit Notes for each cancelled endorsement
Side Panel View (Auto‑Cancelled)
Show “Cancellation Details”
Tabs:
Manual Cancellations
Auto Cancellations
Auto records show:
Auto Cancelled Transaction ID
Transaction Type (Policy/Endorsement)
Cancelled Date
Outstanding at cancellation
Reinstatement Date (if any)
Reinstatement Completed By
Authorized By
Reinstatement Flow (Starts After Auto‑Cancellation)
Underwriter selects cancelled policy from listing
Opens side panel → “Reinstate Policy”
System loads Reinstatement Page
Policy No (auto)
Endorsement No (auto)
Risk/Vehicle No (auto)
Cancelled Date (auto)
Outstanding Premium (auto)
Penalty (optional)
Reason for Reinstate (mandatory)
Underwriter marks “Completed” → Submit
Status → Pending
Underwriting Authorization Flow
Examine
Claim
Authorized
If Authorized (Reinstate Success)
Policy reactivated
Status → Active (with previous transaction type)
Generate:
Debit Note (outstanding + penalties)
New Policy Schedule (with No‑Claim Period)
Show reinstatement confirmation
Warning: No claims allowed during no‑claim period
If Rejected
Approver rejects with mandatory reason
Status → Rejected
Request sent back to Underwriter
Underwriter corrects & resubmits → Pending
End (Full Lifecycle Complete)