Nationwide Express Quote Tool FAQs for Agents

Rollout schedule: Customers and products supported

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Where is Nationwide Express® available?

AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

What products are available through Nationwide Express?

Standard Auto, Home, Condo and Renters are available today.

We plan to introduce Umbrella late 2020.

How can I access Nationwide Express?

Agent Center: You can start and retrieve quotes directly from "Get A Quote" under Personal/Start a Quote
Nationwide Mobile App (On iOS devices): Available in 31 states to capture quotes or leads on the go in as little as 1 min
Comparative Rater Bridging: EZLynx and PL Rating rolling out in Q4 2020 with additional raters introduced in 2021

Which customers does Nationwide Express support?

Customers who are willing to:
- Purchase a new green business Nationwide policy
- Purchase standard products only
- Pay with electronic funds transfer (EFT), escrow and/or credit card
- Accept paperless delivery of policy and billing documents
Customers who do not have:
- Insurance lapses or self-reported violations
- Business or farm use of vehicle
- Vehicle customizations or prior damage
- Alternate garaging address
- Excluded drivers

Can existing policyholders be quoted in Nationwide Express?

For now, use PolicyCenter for sales to existing Nationwide members.

Where is Nationwide's privacy policy and credit policy?

You may review our Credit and Privacy Policy by following this Privacy Policy link which describes Nationwide’s use of collected information. These policies should be read to the customer before any personal information is collected and any reports are run.

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.

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Why was Nationwide Express created?

Customers and agents expect faster, easier sales experiences. Nationwide Express was designed as an easy-to-use interface for PolicyCenter.

What is the goal of Nationwide Express?

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.

How will I know if a quote is eligible to bridge from my comparative rater?

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.

Will agents still have to use PolicyCenter?

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.

What if Nationwide Express cannot complete the sale?

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.

How do I access the quote in PolicyCenter if it does not immediately appear?

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.

Creating a quote: How to start

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How do I launch Nationwide Express?

Fully licensed agents with PolicyCenter access can launch Nationwide Express through Agent Center Workspace if they were previously registered at agentcenter.nationwide.com.

How do I retrieve a quote?

Whether Nationwide Express or PolicyCenter, quotes can been started and retrieved from Get a Quote on Agent Center. Click "Retrieve" under Nationwide Express on the Agent Center "Get a Quote" tab.

Is the Homeowners rate the same in Nationwide Express as in PolicyCenter?

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.

How do I edit the MSB values?

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.

How are reconstruction costs handled?

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.

How do I view consumer reports?

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.

How are coastal regions handled?

Nationwide Express has the same coastal guidelines as PolicyCenter today. Coastal property, if eligible, can be written using PolicyCenter.

Is underwriting the same in Nationwide Express as in PolicyCenter?

We make all underwriting-related calls made by PolicyCenter. Interactions with Underwriting are the same whether an agent uses PolicyCenter or Nationwide Express.

How do I add vehicles and drivers?

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.

What does the initial quote include?

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.

Customizing and completing a quote

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Can agents set their own default coverage limits?

Agents can use their Producer Code to set auto coverage defaults in PolicyCenter. This information flows into Nationwide Express.

Can agents edit coverages?

Coverages listed in Nationwide Express are editable. All PolicyCenter coverages are displayed EXCEPT:

AUTO

Extended Non-Owner
Use of Other Auto
North Carolina only:
- Automobile Death Benefit
- Total Disability Coverage

PROPERTY

Earthquake and related coverages
Valuables Plus®
Building Theft Materials
Additional Dwelling Units Owned Not Rented
Additional Residences Rented to Others
Structures Rented to Others --- Residence Premises

How do I apply discounts?

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, Affinity, 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

Condo:

Renters: Associate, Claims Free, Home and Car, Multi-Line, Multi -Policy

* Discount availability varies by state.

Completing the sale

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Will I have to review the application for accuracy?

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.

Do I need a VIN to bind with Nationwide Express?

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.

Support

Agents can ask questions within Nationwide Express or by sending an email to digitalx@nationwide.com.

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How can I provide feedback about Nationwide Express?

Click on the word "Feedback" on any page or email digitalx@nationwide.com to share your feedback with the project team.

What other helpful resources are available for agents using Nationwide Express?

Current materials are available at www.nationwide.com/NationwideExpress.

Access Nationwide Express through Agent Center to start quoting.

Rollout schedule: Customers and products supported

When should agents use Nationwide Express?

Creating a quote: How to start

Customizing and completing a quote

Completing the sale

Support

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