Direct answer: If you need a CRM that is free forever, use a spreadsheet or HubSpot’s free edition and accept the insurance gaps. If you need a renewal board and WhatsApp from your number, InsuredBoard starts as a 7-day trial — unlimited clients, 75 active policies — then Starter at ₹199/month. We do not sell a forever-free insurance CRM.
What to look for (even on a trial)
- A client record that holds more than one policy
- Renewal buckets: overdue, due today, upcoming
- Mobile access that is not a desktop spreadsheet on a phone
- Policy documents on the record
- WhatsApp you send from your own number — not a claimed Business API unless the vendor actually has it
Honest comparison
| Cost | Insurance fit | Catch | |
|---|---|---|---|
| InsuredBoard trial | 7 days, then from ₹199/mo | Renewal board, PWA, pre-filled WhatsApp | Not free forever. CSV import on paid plans. 75 active policies on trial. |
| Google Sheets / Excel | Free | You build the columns | No renewal board, painful on mobile, easy to miss due dates |
| HubSpot Free CRM | Free forever (confirm on HubSpot) | Generic contacts and deals | You configure insurance fields yourself |
| Zoho free / entry editions | Confirm on Zoho | Generic CRM | Insurance is a customisation project. See our Zoho comparison. |
Direct India insurance CRMs (Agenex, InsuranceDesk) often use trials or annual plans rather than a forever-free book CRM. Dated notes: InsuredBoard vs Agenex and InsuranceDesk.
When a spreadsheet is enough
Under about ten active policies, a sheet plus calendar reminders can hold. The switch is when you cannot see overdue vs this week without filtering, or when WhatsApp copy-paste starts eating the morning. Signs: Excel vs insurance CRM.
When to pay
Pay when the trial list is the habit you want to keep, you need CSV import, or you need agent/staff seats. Trial vs paid: free vs paid insurance agent software. INR caps: pricing.
Frequently asked questions
Is there a free insurance CRM for agents in India?
Spreadsheets and HubSpot free CRM are free forever. InsuredBoard is a 7-day trial (75 active policies, unlimited clients), then paid plans from ₹199/month. It is not a forever-free product.
What should a free or trial insurance CRM include?
A client record that holds policies, a renewal list you can open on your phone, and a way to message from your own number. Unlimited clients with no renewal board is not enough.
Start the 7-day trial
Unlimited clients, 75 active policies, renewal tracking, and WhatsApp from your number. No credit card.
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