Live in productionInsurance · Conversational AI · e-ID · Latvia

Buying car insurance shouldn't take more than a WhatsApp message.

ABC Polise is a WhatsApp-first OCTA insurance platform. Customers compare every major insurer, verify with Smart-ID, pay and get the policy, all inside one chat, backed by a real .NET system.

Client: ABC Polise · Role: Full-stack delivery & infrastructure · Year: 2026
Try the live bot
ABC Polise WhatsApp OCTA service shown on a phone in hand
0
App installs required
<60s
From first message to a price
3
Languages · LV / RU / EN
Same day
To ship & test a new feature
The real flow

From “hi” to a paid policy, in one chat.

This is the actual customer journey, step by step. Hover or swipe through it.

Visit the live service
Open the chat
Step 01
Open the chat

The customer taps a link and lands in a verified WhatsApp chat. No install, no login.

Choose what to do
Step 02
Choose what to do

One menu covers the whole relationship: buy, check, remind, ask AI, get help.

Buy an OCTA policy
Step 03
Buy an OCTA policy

They pick “Buy OCTA policy” and the bot opens a secure mini-form inside the chat.

Pick the period
Step 04
Pick the period

Vehicle data is pulled automatically; the customer just chooses the insurance period.

We compare insurers
Step 05
We compare insurers

Behind the scenes we request and compare quotes across every major insurer in seconds.

Best price wins
Step 06
Best price wins

Offers come back ranked, the best value highlighted, the customer taps to choose.

Confirm & add email
Step 07
Confirm & add email

They confirm the start date and drop an email for the policy and reminders.

Pay in the chat
Step 08
Pay in the chat

Swedbank, SEB, Citadele, Luminor, Revolut or card, paid without leaving the thread.

Swipe through the flow →

Why a bot, not an app

The same idea, shipped far faster.

A native app needs an App Store and Play Store release, a review, an approval, and users who have to update. With a bot we build a feature, test it in a real chat, and ship it the same day.

A native mobile app
A verified WhatsApp bot
Shipping an update
Submit a new build, wait for App Store & Play Store review, hope it gets approved.
Push the change and it is live for every customer in minutes. No review, no waiting.
Testing a new feature
New build, TestFlight or beta track, reviewers, then a staged rollout.
Try it in a real chat the same day and adjust on the spot.
Getting the user in
They must find the app, download it, install it and create an account.
They open a chat they already have. Nothing to install.
Platforms to maintain
Separate iOS and Android codebases, plus store accounts and certificates.
One backend serves every device. Nothing to maintain per platform.
Who runs the latest version
Many users stay on old versions for months.
Everyone is always on the latest. There is no old version.
Time & cost to live
Months of work across two app teams before the first release.
Weeks, one backend, and a channel your customers already trust.
Same idea, shipped faster: build a feature, test it in a real chat, keep it moving.
What customers can do

Everything they need, inside the chat.

Buy where customers already talk

The whole journey starts inside WhatsApp. No new app to install, no portal to find.

Compare the whole market at once

One request pulls and ranks quotes across every major insurer, so the customer picks in seconds.

Verify without paperwork

Smart-ID and eParaksts make the trusted step fast and familiar, the same as a banking app.

Pay and get the policy in chat

Bank link or card, then the policy PDF comes straight back into the same thread.

Reminders that drive renewals

The customer opts in once and is brought back automatically before the policy expires.

A guarded AI assistant

It answers insurance questions only, keeps the customer moving and never drifts off topic.

Identity & security

Bank-grade identity, right inside the chat.

Sensitive steps are protected by a real Smart-ID and eParaksts identity flow. Customer data stays protected end to end, and every signed action is verified before it happens.

Preview the live service bots.abcpolise.lv

Smart-ID verification

Verified identity in two taps, with no forms, PINs or callback loops.

eParaksts signing

Qualified electronic signatures for legally binding actions.

Protected user data

Personal data is handled only for the step that needs it.

Human handoff

Type HELP and our team steps in, already seeing the full thread.

What's inside

Not a prompt wrapper. A platform we run.

Behind the simple chat is the backbone that makes it reliable, secure and fully owned by the client.

.NET server logic

Quoting, identity and payment orchestration run on a real .NET backend, not a no-code flow.

Hosted client app

A lightweight web app opens inside the chat for the steps that need a real screen.

Dedicated database

Every policy, customer and conversation lives in a database we own, audit and back up.

Our administration panel

Customers, conversations, escalations and configuration are all run from our own admin.

Securely configured server

A hardened, monitored server with secrets kept out of the codebase and an audited deploy.

We keep it running

Monitoring, on-call and iteration after launch. New features ship and get tested the same day.

Before & after

How the experience changed.

Channel
Phone calls, broker website, email back-and-forth
One WhatsApp thread they already have open
Identification
Manual data entry, scanned documents, callbacks
Smart-ID or eParaksts in two taps
Quote comparison
Customer checks several sites by hand
Every major insurer compared in one message
Payment
Bank transfer, manual reconciliation, delay
One-tap payment link inside the chat
Policy delivery
Email attachment, often missed
PDF delivered inside WhatsApp and email
Renewals
Hope the customer remembers
Opt-in reminder fires automatically before expiry

Have a process that should fit in a chat?

Tell us your company and the product you have in mind. Just the essentials, we prepare the rest.

How WhatsApp bots work