The verdict in three sentences
A broker client portal costs between 30,000 and 70,000 EUR in 2026, delivered in 4 to 6 months. It gives every policyholder permanent access to their contracts, claims and certificates while relieving the back office of repetitive requests. The decisive budget line is the integration with your management system and meeting IDD compliance on the duty to advise.
What a policyholder portal costs in 2026
Scope ranges from a simple document vault to a transactional space connected to your insurers.
| Scope | Key features | 2026 budget (EUR) | Timeline |
|---|---|---|---|
| Document space | Certificates, contracts, vault | 30,000 – 38,000 | 4 months |
| Relationship portal | + claim reporting, messaging, notifications | 39,000 – 54,000 | 5 months |
| Connected portal | + management-system sync, real-time claim tracking | 55,000 – 70,000 | 6 months |
| Annual maintenance | Support, hosting, compliance | 15 – 20% of build | recurring |
| Insurer connector (per API) | Contract/claim flows | 5,000 – 11,000 / API | +2 to 4 wks |
Integration, security and back-office gains
The real ROI lever is cutting manually handled inbound requests.
| Metric | Before portal | After portal |
|---|---|---|
| Insurer API integration cost | — | 5,000 – 11,000 EUR / API |
| "Send my certificate" calls/emails | ~120/wk | < 25/wk |
| Time to provide a document | 1 – 2 days | immediate |
| Claim reporting | phone/email | tracked form |
| IDD compliance (advice trail) | paper files | automatic timestamp |
| Data security | inbox | encryption + logs |
Cutting document requests from 120 to 25 per week frees a firm around 80 back-office hours per month.
Mini case study
Sarah, principal of a 9-person broking firm in Dublin, manages 3,200 policies. Two account handlers each spent 40% of their time re-issuing certificates and documents. The portal cuts that to under 10%, freeing the equivalent of 0.6 FTE. Loaded cost: 42,000 EUR/year, so about 25,200 EUR of value recovered per year against a 52,000 EUR portal: payback in around 25 months, accelerated by better book retention.
FAQ
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Does the portal meet IDD and the duty to advise?
Yes: every document issued and every exchange is timestamped and archived, materialising the advice trail IDD requires. That is an asset in a regulatory review.
Can it connect to our broking software?
Yes, via API to tools like Applied, Acturis or a bespoke broking ERP. Budget 5,000 to 11,000 EUR per flow (contracts, claims) depending on how open the vendor is.
How is personal and health data secured?
GDPR-compliant EU hosting, encryption at rest and in transit, per-policyholder access partitioning and full consultation logging.
Can the policyholder report a claim online?
Yes: a guided form with attachments creates a tracked case, notifies the handler and lets the client follow progress in real time.
How long until go-live?
Between 4 and 6 months by scope and number of insurer integrations, with a usable document space within 2 to 3 months.
Let's scope your project. Tell us your policy volume, your management software and the insurers to connect: we frame an IDD-compatible scope and an indicative budget between 30,000 and 70,000 EUR. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
