AI Insurance Excess Explainer

WHAT IT DOES

"AI Insurance Excess Explainer" is an AI agent that demystifies one of the most confusing parts of insurance claims — the excess. You provide your policy type, the claim amount you're considering, and the excess amount or percentage from your policy. The agent returns a plain-language explanation that tells you exactly how much you will pay out of pocket, how much your insurer will cover, and whether the excess applies per claim or per year. It also explains what excess means in simple terms, so you can make informed decisions before filing a claim. Whether you're dealing with car insurance, home insurance, health insurance, or any other policy, this agent helps you understand the financial impact of making a claim.

HOW TO USE

Open the agent in BotSurf by searching for "AI Insurance Excess Explainer" or using its direct slug. Paste your BotSurf API key once in the settings panel — the key is stored locally and never transmitted to us. Enter your policy type (e.g., Car, Home, Health), the claim amount you're considering, and the excess amount or percentage from your policy documents. You can also use the "Use page selection" button to pull numbers directly from selected text on any page. Press the "Explain excess" button and the agent returns a clear, structured explanation within seconds. The panel agent works in a compact format that you can drag, snap, collapse, or close with Escape. Works seamlessly in both light and dark modes.

WHAT IT SENDS

This agent sends exactly the three pieces of information you enter — policy type, claim amount, and excess amount or percentage — formatted into a plain-text prompt. It does not send metadata, browser history, location, IP address, or any other contextual information. Transmission occurs only when you explicitly press the "Explain excess" button. Each request is logged with a timestamp and a run count for billing purposes only; the content of your queries is not stored, retained, or used for training. No third-party analytics, no cookies, no persistent identifiers. The agent operates on a strict request‑response model: your policy details go in, the explanation comes out, and that is the full transaction.

SUBSCRIPTION

Access to "AI Insurance Excess Explainer" costs $19.99 per month. Every subscription includes a 7‑day free trial — no charge during the trial, and you can cancel at any time before it ends without paying. The plan provides 100 runs per month, which resets monthly. Unused runs do not roll over. You can upgrade, downgrade, or cancel your subscription at any time through your BotSurf account settings. Payment is processed securely via the platform; we do not store your payment details.

THE PANEL

The agent runs inside BotSurf's standard panel interface. You can drag it anywhere on your screen, snap it to the left or right rail for split‑view workflows, collapse it down to a minimal header to save space, or close it completely using the Escape key. All panel state is local and restored when you reopen the agent. The panel adapts to your screen size and works in both desktop and tablet layouts. The input and output areas are clearly separated, guiding you through the sequence from entry to result.

PLEASE NOTE

AI is a powerful tool but can make mistakes. Always verify any insurance decisions with your policy documents or provider. This agent is an educational and planning tool and does not provide professional insurance, financial, tax, or legal advice. Nothing generated by this agent should be construed as a recommendation to file or not file a claim, or as a substitute for professional advice from a qualified insurance broker or advisor. For regulated sectors, consult a qualified professional. Use at your own risk.