# Policy renewal explainer

> Explain what changed at renewal, why the price moved, and what the options are.

- Skill: `vstorm-co/policy-renewal-explainer` (Agent Skill)
- Install (CLI): `npx skillmds@latest add vstorm-co/policy-renewal-explainer`
- Raw SKILL.md: https://api.skillmd.com/api/skills/vstorm-co/policy-renewal-explainer/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: vstorm-co (https://skillmd.com/u/vstorm-co)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/vstorm-co/policy-renewal-explainer

---


# Explaining a renewal

Most renewal complaints are about surprise rather than price. Remove the
surprise.

## Lead with the change

Old premium, new premium, and the difference — as a number, first. Then what
changed in cover, excess or limits, in a two-column comparison. Then the drivers
of the price movement that are documented for this policy.

## Be precise about drivers

Name only what the record supports: a claim, an age band, a change in cover, an
indexation clause. If the movement is partly market-wide repricing, say that
plainly rather than dressing it as something specific to them.

## Give the options

Renew as offered · adjust cover or excess and what each does to the price ·
decline and what the cancellation terms are · when they must decide.

## Never

Present an increase as an improvement, bury a reduction in cover, or state a
saving against a figure the customer never paid.