Reinstatement

Overview

Reinstatement restores a cancelled policy to active status. This is typically done when a policy was cancelled for non-payment and the insured subsequently pays, or when a cancellation was processed in error.

Requirements for Reinstatement

Before reinstating, confirm:

• The policy is currently in Cancelled status.
• The reinstatement date falls within the original policy period.
• Any outstanding balance or additional premium has been paid (or is being paid as part of the reinstatement).
• Underwriter approval has been obtained if required.

Processing a Reinstatement

📷

Reinstatement screen showing the cancelled policy details, reinstatement date picker, additional premium field, and Submit button

Reinstatement screen showing the cancelled policy details, reinstatement date picker, additional premium field, and Submit button

1. Open the cancelled policy from Policy Search.
2. Click Reinstate Policy in the toolbar.
3. Verify the reinstatement date — coverage is restored as of this date.
4. If additional premium is required, the amount is shown automatically. Process the payment before proceeding.
5. Click Submit Reinstatement.
6. The reinstatement letter is generated.
7. The policy status changes back to In Force.

Caution

Reinstatement is only possible within the original policy period. If the policy expiration date has passed, a new application must be submitted instead. Contact your underwriting manager if you are unsure which process applies.

Reinstating Cyber Coverage Separately

If a policy with cyber coverage was cancelled and only the cyber portion needs to be reinstated (with the base policy remaining cancelled), use Reinstate Cyber Only from the reinstatement screen.

After Reinstatement

Once a policy is reinstated:

• The policy status returns to In Force.
• The reinstatement letter is available in the Documents tab.
• The payment and booking entries are updated to reflect the reinstatement premium.
• Any ERP that was in effect is cancelled automatically.