Policy Binder: Insurance Log

Four to eight policies, three to five insurers, and not one of them can tell you about the others. Then the pipe bursts, and nobody can find the policy number, the excess, or the number to ring.

Policy Binder holds the whole household's cover in one place, on your phone, with no account and no cloud.

KEY FEATURES
• Every policy in one binder — insurer, policy number, cover dates and renewal date
• Real cover terms — sum insured, excess, premium and how often it is paid
• The claims line, one tap from the policy, opening your dialler
• Who is covered — record the named drivers, the spouse, the children on the family plan
• Claims log — what was claimed, when, the reference, and what the insurer actually paid
• Emergency Cover Card — every live policy's insurer, number, claims line and excess as one shareable summary you can send to a partner or keep to hand
• Renewal reminders at 90, 60, 30 and 7 days, on a ladder that catches up if your phone was off
• Photos of the certificate, front and back
• A checklist of cover types you have not recorded yet
• Biometric or PIN lock on the whole app
• Fully offline. No account, no sync, nothing leaves the device.

WHY CHOOSE POLICY BINDER
• Built for a household, not for an agent tracking clients. That difference is why the existing trackers frustrate families.
• The fields that matter in a crisis are the ones on top, not buried under a renewal countdown.
• Your policy numbers stay on your phone.
• One-time unlock available. Your own records should not need a subscription.

PERFECT FOR
• Households with policies spread across several insurers
• Anyone who has ever hunted for an excess figure while standing in the rain
• Families keeping track of who is named on which plan
• People who want their renewal dates somewhere other than an email inbox

Policy Binder records what you enter. It does not sell, compare, rate or recommend insurance, it is not connected to any insurer, and it cannot tell you whether your cover is adequate — the checklist of cover types you have not recorded is exactly that, a checklist, and some rows will not apply to you. Always check the policy wording before relying on anything shown here.