The plan behind the TEGO demo.
You have seen the comparator work end to end: a quote, five prices side by side, a simulated payment, a client portal. This is the platform underneath it, the timeline to get there, what it costs, and the parts of Mauritian insurance regulation that decide how it is built.
What you just saw
Five screens, one flow. Here is what each one was doing.
Home
The pitch and the entry point: compare five insurers in one form, get a real price, insure online.
Get a quote
Vehicle, driver and cover details, branching by new versus reconditioned versus already registered, private versus commercial use, and financed versus cash.
Compare offers
Five insurers priced against the same details, ranked, filterable by cover level, so the customer picks with the full picture in front of them.
Checkout
A simulated card payment through a Mauritian card acquirer, ending in a confirmation and a file sent to the insurer.
Client portal preview
Where the cover note, certificate and policy schedule appear once the insurer uploads them, a preview of Phase 2.
The platform
Four portals, one system. The comparator is the front door; these are the rooms behind it. See a preview of each portal.
Client portal
For the person who bought the cover- Every quote requested and every policy held, in one place
- A live status bar on every file (submitted, with insurer, accepted, documents issued, covered), so nobody has to phone in to ask where it stands
- Cover note, certificate and schedule, as soon as the insurer uploads them
- Renewal reminders before cover expires
- Update details ahead of next year's quote
- Raise a claim and track where it stands Later phase
Insurer portal
For each insurer on the panel- Incoming files queue, ranked by their own acceptance rules, each with a status and a time-in-stage clock
- Accept or decline a file, with a reason
- Upload documents against the file once accepted
- Maintain their own rate table without asking us to redeploy anything
- See their win rate and volume against the rest of the panel
Admin back office
For TEGO's own operations- Every quote, offer and policy across all five insurers, one queue, with a pipeline board showing what is stuck and where
- Commission tracking per policy, per insurer, per channel
- Insurer rate tables and distribution agreements managed centrally
- Role-based user and access management
- An audit log of who touched a client record and when
Partner showrooms
For dealers selling the car itself- Quote a walk-in customer's insurance at the point of sale
- Showroom staff log the sale, TEGO handles the quote and paperwork, and the showroom follows each file’s status to payout
- Financed deals flag the bank as loss payee automatically
- Commission split visible to the showroom in its own dashboard
- A branded quote link the showroom can hand to any customer
A mobile app
Renewal reminders and document access are things people check on a phone, not a laptop. There are two ways to give TEGO an app, and they are very different amounts of work. Both are optional and neither is needed to launch.
Installable web app
The customer opens tego.mu, taps “Add to home screen”, and TEGO sits on their phone like any other app. No store, no download.
Rs 90,0002 weeks · no ongoing store fees- Same icon, same full-screen feel, no browser bar
- Push notifications for renewals, status changes and issued documents, on Android and on modern iPhones
- Documents stay readable offline once opened
- One codebase with the website, so a fix ships to web and app at the same moment
- No App Store review, so you can release the day it is ready
- Not findable by searching the App Store or Play Store
- iPhone users have to install it from Safari, which needs a short prompt on the site
No store fees, ever: nothing to pay Apple or Google, no developer account to open, no D-U-N-S number, no review queue. The only extra piece is a small install prompt on the site that shows iPhone users the two taps, and that is built in.
Native store app
A real app on the App Store and Google Play, built once in React Native and published to both.
Rs 280,0006 weeks · plus store fees, see below- Findable by searching “TEGO” in either store, which is worth something for a brand selling trust
- Face ID and fingerprint login
- Camera capture for NIC, driving licence and horsepower certificate, straight into the file
- Reliable push on every iPhone, not just recent ones
- Room later for things a browser cannot do well, such as accident photos with location attached
- Every release waits on Apple and Google review
- Two more builds to maintain on top of the website
- Store accounts take 4 to 6 weeks to clear before you can publish at all, and that has to start early
Store fees, paid by TEGO directly: Apple charges USD 99 a year (about Rs 4,700) and Google charges USD 25 once (about Rs 1,200). The awkward part is not the money. Apple has no online store for Mauritius, so enrolment needs a card that can be charged in US dollars. Both stores want a D&B D-U-N-S number for a company account, which is free but can take up to 30 days. And Google Play only waives its 12-testers-for-14-days rule for accounts registered to a real company, so TEGO enrols as an organisation, not as a person.
What we would actually do
Ship the installable web app with Phase 2 and launch with it. It covers what customers really want from an app on day one: a reminder before cover expires, and a certificate they can pull up at a roadside check. It does that for a fraction of the cost, with nothing standing between you and a release. Then build the native app once volume proves people want it, and once you know from real usage which two or three things they do on a phone. Building it before launch means guessing.
Timeline
Built in order, each phase shipping something the business can use before the next one starts. Durations are working weeks from the day that phase starts; calendar dates are fixed once you confirm the start.
Numbers along the top are working weeks from kickoff, not calendar dates. Travel and health are scheduled and quoted once the car business is live and you know what the panel wants next.
What gates each phase
Phase 2 cannot start until the broker licence position and the premium custody model are settled: they decide whether the checkout is a purchase or a confirmed lead. The workshop exists to close exactly those two questions, before anything is built around the wrong answer.
What you see along the way
A working build on a private URL from week 2 of every phase, a review call every Friday, and acceptance testing with your team in the last week before anything goes live.
What depends on others
Merchant onboarding with the acquiring bank (typically 3 to 5 weeks), signed distribution agreements with each insurer, and insurer sign-off on their own rate tables. We start these in parallel with Phase 1 so they never sit on the critical path for Phase 2.
Doing this properly
A comparator that quotes is straightforward. A comparator that takes payment and commission is regulated. Here is how that shapes the build.
FSC broker licence
A comparator that transacts and takes commission is insurance broking under the Insurance Act 2005. Whether TEGO holds, or operates under, an FSC broker licence decides the shape of Phase 2's payment flow: a full online purchase, or a confirmed lead handed to the insurer to close. That decision needs to be made before Phase 2 starts, not during it.
Who holds the premium
Two ways to structure this, and they carry different technical and compliance requirements. Either the client pays TEGO into a client account, which requires signed agreements with each insurer authorising it, or the client pays the insurer directly and TEGO invoices its commission separately. This is chosen once and built around, not switched later.
Where the rates come from
Signed distribution agreements with each insurer, and then whichever of two routes each insurer prefers. If they offer an API, we integrate it directly and their rates are always live. If they do not want to build an API, they get a login to their own insurer portal and update their rates there themselves. They own the numbers, they change them when they change, and TEGO never guesses. Either way the rate table is insurer-validated and versioned, so every quote can be traced back to the exact rates that were live when it was issued. We do not scrape insurer websites for pricing: it breaks the moment they change their layout and it would leave TEGO liable for showing a customer the wrong premium.
Data Protection Act 2017
Quoting and insuring a car means storing NICs and driving licences. That requires documented consent at collection, encryption at rest, role-based access so only the right people can see a given record, retention rules for how long the data is kept, and access logging so every lookup is traceable.
Payments
Stripe does not operate in Mauritius, so the acquirer is a local decision. We will take the best available option at the time of build, whether that is SBM e-Commerce Acquiring, MIPS, or another local gateway. The choice comes down to onboarding time, per-transaction cost, and which one is comfortable with TEGO’s licence position. The checkout is built against a payment abstraction, so the acquirer can be switched later without rebuilding the flow.
Flow branches we added for you
Two customers with the same car can need two completely different policies. The funnel already asks the three questions that change both the price and the paperwork.
New, reconditioned, or already registered
Each path asks for different fields and drives what documentation the insurer will need from the customer.
Private or commercial
Different rating, different policy terms. The funnel asks it up front so the price shown is the real one.
Financed or cash
A financed car names the bank as loss payee on the policy. This matters most in the showroom partner channel, where the finance and the insurance are often arranged in the same conversation.
Investment
Suggested figures, fixed price per phase, in Mauritian rupees excluding VAT. The workshop confirms them; they do not move afterwards unless the scope does.
Scoping workshop
One session with your team to settle the licence position, the premium custody model and the insurer agreements. No charge, whether or not you proceed.
Phase 1: Car comparator, production build
Real backend and database, accounts, emailed and retrievable quotes, admin-maintained rate tables for five insurers, first insurer API.
Phase 2: The portals and payments
Priced per portal so you can take them in the order that suits the business. The payments and compliance layer is shared and needed by all three.
Core platform, launch-ready
Phases 1 and 2 together, workshop included. This is the number that puts TEGO live and selling.
Phase 3: Partner showroom portal
Dealer onboarding, point-of-sale quoting, loss payee handling, commission split and monthly statements.
Mobile app
Optional, and independent of the phases. Take one route or start with the first and add the second later.
Phase 4: Travel insurance
Second product on the same engine: trip-based rating, new insurer tables, same portals. Priced once the product and the insurer panel for travel are scoped.
Phase 5: Health insurance
Individual and family plans, medical questionnaire branching, same portals. Priced once the product and the underwriting rules are scoped.
Running the platform
From Phase 2 go-live.
- Rs 28,000 / month: hosting, monitoring, backups, security updates, rate table support for the insurers, and a response within one working day. We review that response time together as volume grows and tighten it if the business needs faster.
- Card transaction fees are billed by the acquiring bank directly, not through us.
- Email, SMS and WhatsApp are billed at cost with no margin from us. Real rates and what they come to at your volume are set out below.
How payment works
- 40% at the start of each phase
- 40% when the phase enters acceptance testing
- 20% at go-live of that phase
- Each phase is a separate decision. Nothing commits you to the next one.
- Prefer to spread it? The core platform can be taken as 12 monthly instalments of Rs 60,000 instead of milestones, so the build is funded out of trading rather than up front. Work and delivery are identical; the platform stays ours until the schedule completes.
Included in every phase
- Design, build, testing and deployment
- Weekly review call and a private build URL
- Training for your team, recorded
- 30 days of fixes after go-live at no charge
- Source code and data belong to TEGO once that phase is paid in full
Not included
- FSC licensing, legal review and insurer agreement negotiation (we support, you sign)
- Card acquirer merchant fees, the domain, and the email, SMS and WhatsApp accounts costed above
- Marketing, content and advertising
- Insurer API integrations beyond the first, quoted per insurer once their API is known
- Claims submission and claim tracking, scheduled and quoted after launch once you have seen how the insurers actually handle claims
What the messaging actually costs
Priced at 500 policies a month, which is roughly 5,000 quotes and about 15,000 emails and 10,000 SMS once quotes, confirmations and renewal reminders are counted. These are the suppliers’ own rates. We bill them through at cost.
| Channel | Rate | At your volume |
|---|---|---|
| EmailQuotes, confirmations, renewal notices, document alerts | Rs 950 a month flat, up to 50,000 sends, with templates and delivery logs | Rs 950 / mo |
| SMS, local bulk planDirect with Emtel or MTML, not through a foreign gateway | Rs 0.35 to Rs 0.40 each, plus a monthly plan from Rs 2,000 | Rs 5,500 / mo |
| WhatsApp, utility messagesOptional. Status changes, renewal reminders, “your certificate is ready” | About Rs 0.60 each, all in | Rs 6,000 / mo |
| WhatsApp, marketing messagesPromotions and campaigns. Meta prices these in a different band entirely | About Rs 3.11 each, all in | Not recommended |
- We would not send your SMS through Twilio. A message to a Mauritian number costs about Rs 12.65 there against Rs 0.35 on an Emtel or MTML bulk plan. That is more than thirty times the price for the same text. TEGO gets its own account directly with the operator, in TEGO’s name.
- WhatsApp marketing costs roughly eight times what a status update costs, because Meta prices the two categories separately. Every message we design that can legitimately be a status update is built as one.
- WhatsApp needs its own phone number. A number registered to the WhatsApp Business API can no longer be used in the normal WhatsApp app, so TEGO takes a fresh line for it rather than converting an existing one. Meta business verification is free but wants the BRN certificate and a utility bill in exactly the registered company name.
- Since January 2026, foreign digital services carry 15% Mauritian VAT. That applies to Meta, to the email provider and to hosting. Recoverable if TEGO is VAT-registered, a real cost if not.
- All of the above is billed to TEGO’s own accounts with each supplier. We set them up and manage them; the money never passes through Influxe.
Figures are valid for 60 days from the date of this proposal, and exclude VAT.