Add or remove a vehicle or driver

How do we add or remove a vehicle or a driver from any channel with the data and proofs collected, the change rated, and the endorsement bound in policy administration?

Run the endorsement as a rated change the policyholder confirms. Callvu identifies the policyholder, prefills the policy and the household, takes the new vehicle (decoded from the identification number, with the lienholder and the use) or the new driver (with the license, the motor vehicle record pulled with consent, and the relationship) on a secure screen, chases the proofs the state or the rules require (the license image, the purchase document, a signed exclusion for a removed driver who stays in the household), rates the change and shows the premium before confirmation, routes a driver with a record outside authority or an exclusion to the underwriter in the Decision Desk, binds the endorsement with its effective date and writes it to policy administration with the ID cards and the lienholder's evidence. Live at Phoenix Insurance, under national rules outside the US.

Live at PhoenixSimpleCallvu moves: prefill, decide, write back

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Last updated November 7, 2026.

The problem today

The new car was driven for eleven days on the dealer's assumption that the agent had added it; the agent had a voicemail.

Today, without Callvu

A policyholder buys a car on Saturday, leaves the agent a message, and drives. The lienholder wants evidence of insurance by Monday. A teenager gets a license and is added by phone without the motor vehicle record, so the rate is wrong until renewal. A driver who moved out is removed without the signed exclusion the state requires, and a claim later turns on it.

Adding or removing a vehicle or a driver is an endorsement under the state's binding rules: the data that rates it (the vehicle's identification number, use, garaging and lienholder; the driver's license, record, age and relationship), the proofs the state or the insurer requires (a signed named driver exclusion, the license), the effective date and the binder's timing, and the documents that follow (the ID cards, the lienholder's evidence). Each is a rule the policy system can apply, and the policyholder can supply the data from their phone on Saturday.

A rated change the policyholder confirms is bound when they tap, not when the agent returns the call.

How it runs

From the requestto the system of record.

A policyholder requests to add or remove a vehicle or a driver in any channel (the app, the website, a call, an agent, an AI assistant, or a dealer's link). Callvu identifies them and opens the endorsement.

Policyholder: Enters the vehicle or driver, uploads the proofs, sees the premium and confirms on a secure screen.
Added or removed driver: Consents to the record pull or signs the exclusion on their own phone where the rules require.
Underwriter: Decides a driver outside authority or an exclusion in the Decision Desk.
Lienholder: Receives the evidence of insurance.
Callvu: Prefills, decodes and pulls records, chases proofs, rates, routes, binds and writes.

Prefill and capture
The policy, the vehicles, the drivers and the household are prefilled; for a vehicle, the identification number decodes the year, make, model and safety features, and the use, garaging, lienholder and purchase date are entered; for a driver, the license number, date of birth and relationship are entered and the motor vehicle record is pulled with the driver's consent; for a removal, the reason and the date.
Chase and verify
The proofs the state or the rules require are requested through a link and read: the license image, the purchase or lease document for the lienholder and the date, a photo of the vehicle where the rules require it for physical damage coverage, and for a driver removed who remains in the household, the state's named driver exclusion signed by the policyholder and the excluded driver; a discrepancy with the record is put to the policyholder.
Rate and decide
The change is rated under the filed plan and the premium change is shown with the effective date before the policyholder confirms; a driver with a record outside authority, an exclusion, a vehicle type the rules flag, or a removal that leaves the household without a rated driver goes to the underwriter in the Decision Desk with the record and only the allowed outcomes (bind, bind with conditions, decline with the adverse action notice where the record drove it).
Bind and write back
The endorsement binds with its effective date (the purchase date within the policy's automatic coverage period, or the date chosen), it is written to policy administration with the documents, the ID cards are issued to the app and the lienholder's evidence of insurance is sent, and the billing reflects the premium change.

Where it ends: The vehicle or driver change was captured from the policyholder's phone, rated on the decoded and pulled data, decided where the rules required, and bound in policy administration with the cards and the lienholder's evidence issued. The Decision Trace shows the data sources, the rating and any decision; the Audit Trace shows the proofs, the confirmation and the bind.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

US requirements shown. Phoenix runs this process under national rules outside the US; Callvu loads each market's rules as policies the same way.

State binding rules: The state's binding rules and the policy's terms set when an added vehicle is covered (the newly acquired auto provision with its automatic period, commonly 14 to 30 days, and the notice required), the producer's and the system's binding authority for driver additions by record, the effective date and timing of an endorsement binder, and the forms the state requires: a named driver exclusion must be on the state's approved form and signed by the named insured (and in many states the excluded driver) to be effective.
FCRA (15 USC 1681b and 1681m) for the motor vehicle record and claims history: The record is a consumer report pulled with a permissible purpose and the driver's notice; a higher rate or a decline based on it requires the adverse action notice through its process.
State financial responsibility and lienholder notice rules: The ID card or evidence of insurance must meet the state's financial responsibility format, and a lienholder named on the vehicle receives evidence of coverage and notice of cancellation under the loss payable clause.

Company policies

The vehicle is decoded and the driver's record pulled before rating; the rate is never set on the description alone.
The premium change is shown before the policyholder confirms.
A named driver exclusion is on the state's form, signed by the people the state requires, before the removal takes effect.
Policy administration in the policy system is the system of record for the endorsement and the documents.

Controls

Prefill and identification number decoding.
Motor vehicle record pull with consent.
Proof requests with reading and discrepancy checks.
Rating with premium preview.
Decision Desk for records outside authority and exclusions.
Endorsement bind, write, ID cards and lienholder evidence.

Clocks and deadlines

Newly acquired auto period: The policy's automatic coverage period from purchase, with the notice inside it.
Effective date: The purchase date within the period, or the date chosen, never before the request for a driver.
Lienholder evidence: At bind.

Documents and checks

The vehicle decode and the driver record
The proofs as received and checked
The rated change as shown and confirmed
The signed exclusion where applicable
The endorsement in policy administration, the ID cards and the lienholder evidence

In the Decision Trace

The data sources and the rating.
Any underwriting decision and the person.

In the Audit Trace

The entries and the proofs with time.
The confirmation with time.
The bind, the write and the documents issued.

The handoff

Between the front doorand the back office.

The front door

Any channel including a dealer's link; the policyholder and the added or removed driver act on their own phones.

The back office

The underwriter sees only records outside authority and exclusions; policy administration is written by the process.

The Decision Desk

A driver with a record outside authority, a named driver exclusion, a flagged vehicle type or a removal that leaves no rated driver goes to the underwriter in the Decision Desk with the record and only bind, bind with conditions, or decline with the notice.

Proof

Live at Phoenix.Published results only.

Each result is a published claim, with its code on agents.callvu.com, where its status, source and last verified date are kept.

Phoenix Insurance reaches more than 90% completion without human help.

INS-06 · Self-asserted · verified 2026-11-05

Phoenix Insurance has 40% fewer agent-led calls.

INS-02 · Self-asserted · verified 2026-11-05

Phoenix Insurance put more than 100 processes live in under three months.

INS-01 · Self-asserted · verified 2026-11-02

Questions

What buyers ask next,answered plainly.

Can the policyholder add a car on a Saturday?

Yes. They enter the identification number and the lienholder on their phone, upload the purchase document, see the premium, confirm, and the endorsement binds with the ID card and the lienholder's evidence issued.

What is needed to add a driver?

The license, the date of birth and the relationship, the driver's consent to the record pull, and the license image; a record outside authority goes to the underwriter.

How is a driver removed who still lives in the household?

With the state's named driver exclusion form, signed by the named insured and, where the state requires, the excluded driver, before the removal takes effect.

Related processes

Personal auto quote to bind Proof of insurance and ID cards Policy service requests completed by the customer Policy changes and endorsements Compared with the alternatives Try it in the sandbox All insurance processes

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