Where can you manage all your insurance policies online?
Tools that promise «all your policies in one place» fall into five categories: an insurer's own portal, an agent's app, a comparison site, generic file storage, and an insurance policy wallet. Only the last accepts policies from every insurer at once and actually reads what they say. None of them, however, collects premiums or returns official claim status.
What options exist today?
The question «where do I keep everything together» has five possible answers in the Greek market, and no two of them do quite the same job. The real difference is not the interface but the scope: some tools see only one insurer's policies, some only what was written through one intermediary, and some whatever you upload yourself.
- Your insurer's own portal or app: a complete picture, but only of its own policies. With three insurers you need three logins.
- Your agent's or agency's app: it sees whatever was written through them, across insurers. Anything you bought elsewhere is missing.
- Comparison sites: built for the moment of purchase. Once the policy is issued they do not manage it.
- 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 can no management platform do?
Two things never move to a third-party app. The first is collecting the premium: it is paid to the insurer or the intermediary — by web banking, a standing order, a card on the insurer's own portal, or at the agent's office. A management platform is not a payment institution and does not sit in that flow.
The second is official claim status. The claim file lives in the insurer's systems; without a feed from them, no third-party app knows what stage it has reached. What it can do is hand you your own data at the moment you need it: the notification deadline, your obligations, your policy number, and the right claims line for that branch.
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?
PolicyWallet sits in that last category and is built for the Greek market. You upload the PDF or a photo of each policy — motor, home, health, group, travel, pet — and the AI reads it and sets out in plain language what is covered, what is excluded, and what the limits, deductibles and key dates are.
Because it sees them together, it does something no single insurer's portal can: it cross-checks them against each other. It flags gaps — a home with no earthquake cover, for instance — underinsurance against rebuild cost, and overlaps where you pay twice for the same risk. Out of that comes a 0–100 protection score with a published methodology.
Beyond that: renewal reminders from 90 days before expiry on paid plans, 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?
Not everyone needs the same tool. It is the number of insurers you deal with, rather than the number of policies, that decides the answer.
- One policy with one insurer: the insurer's own portal is enough, and it is free.
- Everything through one agent: the agency's app covers most of it — as long as nothing you bought elsewhere slips through.
- Policies across two or more insurers: only an insurer-independent tool gives you a single view.
- 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?
Not in a management platform. The premium is paid to the insurer or the intermediary — by web banking, standing order, a card on the insurer's portal, or at the office. The app shows you how much and when, not where the money leaves from.
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?
From nothing to a few euros a month. Insurer portals and agency apps are free to their own customers. PolicyWallet has a free plan for one policy and subscriptions starting at €2.99 a month.
What is the best option if I have several policies?
A tool that accepts policies from any insurer and reads them, rather than merely storing them. Past three policies the value is not in finding them, but in seeing what is missing and what you are paying for twice.