Where can you manage all your insurance policies online?
You can use your insurer's app, your adviser's tools or document storage. Features vary by service. PolicyWallet brings together policies from different insurers and explains their contents; it does not accept premium payments or track claim progress.
What options exist today?
Check whether the service accepts documents from the insurers you use, explains terms and provides the reminders you need. Features vary by provider.
- Your insurer's own portal or app: a complete picture, but only of its own policies. With three insurers you need three logins.
- Your adviser's or agency's app: ask which policies it can bring together and whether you can add others.
- Comparison websites help compare quotes. Post-purchase services vary by provider.
- Generic file storage, such as a cloud drive or photos on your phone: it keeps the PDFs but understands nothing inside them.
- The insurance policy wallet: it takes policies from any insurer and reads what they say. It does not, however, collect premiums.
What does each category actually do?
The table compares the five categories across the six things people usually mean by “all in one place”. The last two columns are the ones that surprise most readers.
| Option | All insurers together | Documents in one place | Coverage and gap analysis | Renewal reminders | Premium payment | Claim status |
|---|---|---|---|---|---|---|
| Insurer's own portal | No | Only its own | No | Yes | Yes | Yes |
| Agent or agency app | Only their own book | Yes | Partly | Yes | Case by case | Via the agent |
| Comparison site | No | No | No | No | At the point of purchase | No |
| Generic file storage | Yes | Yes | No | No | No | No |
| Insurance policy wallet | Yes | Yes | Yes | Yes | No | Guidance, not status |
The comparison covers categories of tool, not named companies; capabilities vary from provider to provider.
What does PolicyWallet not do?
You cannot pay insurance premiums through PolicyWallet. Use the payment method provided by your insurer or authorised adviser.
PolicyWallet does not connect to your insurer's claim file. Contact the insurer or your adviser for claim progress.
The same goes for checking a policy by its policy number: that lookup works on the portal of the insurer that issued it. A policy wallet shows you the status derived from your own document — active, expiring soon, or expired — not the insurer's record.
How does PolicyWallet work?
Upload your policies and the application organises the information it reads: cover, exclusions, amounts and dates. The explanation helps you read them but must be checked against the original.
With Family, review findings from checks on your documents, such as explicit exclusions or differences between amounts. If two policies have similar cover, ask how they work together; it is not automatically double payment for the same result.
Beyond that: renewal reminders from 90 days before expiry on paid plans, and — on the Family plan — AI questions about a specific policy, secure sharing with an advisor that you can revoke at any time, and report export. PolicyWallet does not sell insurance and takes no commission: it is neither an insurance undertaking nor an intermediary.
How do you choose for your own situation?
Choose based on the features you need, supported insurers and cost.
- For one policy, start by checking what your insurer's app offers.
- Everything through one agent: the agency's app covers most of it — as long as nothing you bought elsewhere slips through.
- For policies from different insurers, check whether the service accepts them all.
- You want to understand what you are actually covered for, not just find the file: you need analysis, not storage.
- You want to pay from one place: that is solved at your bank or your insurer, not in a management app.
Frequently asked questions
Where can I manage all my insurance policies in one place?
In an insurer-independent policy wallet. Insurers' portals show only their own contracts, whereas a wallet accepts policies from every insurer at once and reads them.
Can I pay my premiums from the same app?
You cannot pay premiums through PolicyWallet. Use the methods provided by your insurer or authorised adviser. Other applications may have different features.
Can I check a policy's status by policy number?
By number, only on the portal of the insurer that issued it. A policy wallet derives the status from your own document — active, expiring soon or expired — without querying the insurer.
How much does a policy-management platform cost?
Prices vary by service. PolicyWallet has a free plan for up to 3 policies. See current prices, features and limits on the pricing page.
What is the best option if I have several policies?
Check whether it accepts documents from your insurers, makes information easy to find and offers the features you need. Speak to your adviser about your cover.