Use case · Insurance

Open quotes,
without losing the lead.

IRDAI wants insurance prices visible without asking for a phone number. Saleschat lets shoppers ask for help on WhatsApp with just a username, then hands warm leads to your inbound team.

Get a Journey AuditSee how it works
Quotes stay openOpt-in, never a gateNo phone number needed

The problem

The mobile-number gate on quotes
is going away.

IRDAI is moving against dark patterns on insurance websites. Asking for a phone number before showing a price is the first one on its list.

What IRDAI said

Price first, no strings

IRDAI's Chairman has called out insurance sites that ask for a name, mobile number and consent to be contacted before showing a price.

What's proposed

Gating quotes is a dark pattern

A September 2026 consultation paper proposes that premium rates, brochures and FAQs be viewable without a name, phone number or email.

What it costs

Fewer leads from the quote page

The quote is usually the biggest lead-capture point. Without the gate, most shoppers price a plan and leave with no way to follow up.

“Access to information should not be used as a lead generation opportunity.”IRDAI consultation paper on distribution reforms, September 2026

Sources: Business Standard, 25 July 2026; MediaNama, 24 September 2026. The consultation paper is at proposal stage.

How it works

Ask for a WhatsApp username,
not a phone number.

WhatsApp usernames let a customer chat with a business without sharing their number. Saleschat turns that opt-in into an assisted conversation and a warm lead for your inbound team.

Illustrative example. Names and figures are fictional.
  1. 1Shopper sees the price

    The quote is fully open. No name, number or email asked.

  2. 2Opts in with a WhatsApp username

    Only if they want help, with a clear promise: no spam, only about this quote.

  3. 3Saleschat picks up on WhatsApp

    The AI agent answers product questions, compares riders and captures intent.

  4. 4Your inbound team takes over

    A warm lead arrives with the plan, cover, questions asked and best time to talk.

The outcome

Balanced lead generation.
Open quotes, and the conversation still happens.

For the shopper

  • Sees prices without sharing any details
  • Gets help on WhatsApp only when they ask
  • Keeps their phone number private unless they choose to share it

For your team

  • Recovers contactable leads from an open quote page
  • Every opt-in is warm: the shopper asked for help
  • Your inbound team works intent and context, not cold lists

What we measure in the pilot

Quote viewsUsername opt-insAssisted chatsProposals startedPolicies issued

Built for a regulated journey

Help on the customer's terms.

Optional, after the price

The quote never waits for the opt-in. Help is offered next to the price, not in front of it.

Consent in the customer's words

The shopper starts the chat. Saleschat records the opt-in and only messages about the quote they asked about.

Phone number only if shared

WhatsApp usernames keep the number private. Your team sees it only if the customer chooses to share it.

ISO 27001 and DPDP

Saleschat is ISO 27001 certified and DPDP compliant, with configurable data residency.

Getting started

Three steps to a live pilot.

About eight weeks from the first call to a pilot on one quote journey.

012 weeks

Feasibility check

  • WhatsApp username readiness
  • Opt-in on the quote page
  • Compliance review of copy
  • Routing to your inbound CRM
022 weeks

Commercial scoping

  • Products and volumes
  • Pricing model
  • Pilot success metrics
034 weeks

Go live

  • Pilot on one quote journey
  • Weekly funnel readout
  • Scale to more products

See what your quote page is losing.

A free audit of one journey: where shoppers drop off and what bringing them back is worth.

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