When should agents use Nationwide Express?
Nationwide Express is designed to be the front-end application to write personal lines policies with Nationwide. Consider starting every Standard Auto, Home, Condo and Renters quote in Nationwide Express. You can bind most sales in Nationwide Express and Nationwide Express fills out a lot in PolicyCenter if you need or want to pivot to PolicyCenter from Nationwide Express to complete more complex quotes if needed.
We believe agents who use Nationwide Express can save time during less complicated sales scenarios by binding with Express and save time during more complex scenarios by letting Express do the work of filling out as many PolicyCenter fields as possible.
The system will automatically route you to a Nationwide Express landing page when the quote is eligible. Agents will be prompted for their agency and producer information which will allow them to continue to the Nationwide Express sales process.
Yes. Nationwide Express is not replacing PolicyCenter. We believe the vast majority of new customers can be written with Nationwide Express. If we immediately see a quote is not eligible for Nationwide Express, we will bridge you to PolicyCenter instead of Nationwide Express when you pick Nationwide in your rater.
There are some cases where Nationwide Express may not have the options an Agent needs to complete the sale. In those cases, Agents can easily pivot to PolicyCenter from Nationwide Express by clicking the hyperlinked submission ID at the top corner of most pages in the application.
If you pivot to PolicyCenter from Nationwide Express, the quote may appear blank in some cases. Click “Quote” in the upper left-hand corner if the button is available. If the “Quote” button appears unavailable, click “Back” or “Next” and become clickable.
We use Marshall & Swift/Boeckh (MSB) to rate Homeowners. If we are unable to get information from MSB for a customer, agents are prompted to manually enter the information to facilitate quote and bind. This value should be the same in Nationwide Express and PolicyCenter.
If edits to the MSB report are required, bridge to PolicyCenter by clicking the submission ID at the top right of the page. In some cases, you may need to rerun the MSB report to enable the ability to conduct edits.
Reconstruction costs are calculated automatically between the initial quote page and the bindable rate page. To edit the home’s value, go to the Homeowners tab and change the valuation within the “Dwelling” field on the bindable rate page.
Consumer reports are automatically run and in-app messaging provides visibility into this process. If you need to review a report in more detail, bridge to PolicyCenter by clicking the submission ID at the top right of the page, ideally from the Bindable Rate Page.
Click “Add” for each of the vehicles and drivers returned from third-party data sources that you wish to quote. Vehicles and drivers can also be manually added if they haven’t been returned from third-party data sources.
As with PolicyCenter, Nationwide Express displays an initial quote that does not include the Auto Loss History, Property Loss History or MVR. Shortly after entering the driver’s license, and/or responding to the UW questions, a rate that includes all reports used by PolicyCenter is displayed.
Most discounts automatically populate based on the customer profile, including all state-mandated and vehicle-related discounts. Agents should inform customers of available discounts and use PolicyCenter for sales if the customer is eligible for, and interested in receiving, additional discounts not currently offered using Nationwide Express.
Below is a list of discounts currently offered through Nationwide Express. Applied discounts are displayed under Auto Summary, Home Summary and Renters Summary on the Coverages page(s).
SmartRide® or SmartMiles® are automatically applied to each vehicle where available based on program rules and vehicle mileage. Agent can opt customers out of these programs by clicking a button. If comparative rater users have telematics enabled, Nationwide Express will apply SmartRide or SmartMiles where available.
The Paperless Policy discount is defaulted for all customers. Customers lose this discount if they do not complete the online account registration process and consent to the electronic agreement within 30 days of purchasing a policy. Customers who do not complete their online account registration will receive emails 7 and 15 days after purchase, reminding them to complete their online account registration. During the online account registration process, customers must consent to the electronic agreement.
Auto: Accident Free, Advance Quote, Anti-Theft Device, Defensive Driving Course, Farm Bureau, Home and Car, New Vehicle, Paperless Policy, Passive Restraint, REFT, Select, SmartRide
Home: Age of Construction, Age of Insured, Home and Car, Multi -Line, Home Purchase, Windstorm Protective Device
Renters: Associate, Claims Free, Home and Car, Multi-Line, Multi -Policy
Customers should confirm the accuracy of the application before submitting. Because accurate information is so vital, we recommend that you review the application. Most of the information prefilled during the sales flow can be manually overwritten by agents during the process.
The correct vehicle identification number (VIN) is needed to bind auto policies in Nationwide Express. If you need to change a VIN entered into Nationwide Express, restart Nationwide Express and enter the correct VIN or pivot to PolicyCenter to change the VIN.