People
Spotlight on Steve Edmonds
Meet Steve Edmonds, Percayso Inform Marketing Director: Ten Pound Pom, former agency creative and one of the original crew who helped set Percayso up.
Read moreKnow the whole risk
before you price it
Mispricing, manipulation and silent churn all leave a trace in data you don't hold: what people declare each time they quote. Percayso Inform checks your quotes against the Quote Lake (tens of millions of quotes a month, up to six years of history across five lines) and joins your records into a single view of each customer, so you see the whole risk before you price it.
- Mispricing?Validated declarations close hidden gaps
- Manipulation?Tens of millions of quotes a month show who's gaming you
- Silent churn?Quote history shows how people really quote, before you renew them.
- Shared strategies?Your own private strategy engine (PIM): your rules, no code
Up to six years
of quote history
5 Lines
of business
Most of our clients thought they knew their book.
The ones who checked found substantial gaps.
What We See
Every month, tens of millions of quotes reach the Quote Lake across car, home, taxi, van and motorbike. Each one records what a person declared at the moment they asked for a price: a fundamentally different view of risk.
Other enrichment checks each quote on the details given that day. We show how the same person has quoted before, and what they altered.
We see a prospect who quoted with you on Tuesday with three years' no-claims discount, and quoted again on Wednesday with five. We see the many people who quote just once, with nothing to check their declaration against before it reaches your pricing.
What It Means For Your Book
Imagine 100 people quoting for motor insurance today. Of those who quote more than once, a significant share change details that affect their premium. Some are simply comparing prices; some are testing your pricing. Without their quote history, you can't tell which is which, and that uncertainty flows straight into your loss ratio.
The book you have today is inherited. The book you could have is a choice.
The challenges keeping your team awake
Pricing Blind Spots
You're enriching data, but are you enriching the right data? Many insurers discover that part of their book has gaps they didn't know existed - unvalidated NCD declarations, occupation codes that don't match employment data, addresses that don't match vehicles.
Every gap is a pricing error you can't see until it becomes a claim.
Products: Data Intelligence, Quote Intelligence
See how we solve this
Quote Manipulation
Of those who quote more than once, a significant number change fields that directly affect their premium - NCD years, occupation, mileage, voluntary excess. Some are shopping. Some are testing your pricing model to find the cheapest combination.
Your current enrichment sees one quote at a time. Each one looks fine in isolation. We see the bigger picture in the Quote Lake for your Lines of Business.
Products: Quote Intelligence
See how we solve this
Data Fragility
Multiple enrichment suppliers. Variable response times. Different data formats. Every integration is a point of failure in your quote journey - and your pricing team can't change the rules without an IT release.
Products: Intelligence Hub, Inform Manager (PIM), Symphony
See how we solve this
What's in your book?
Clients are often surprised by what an Evaluate finds.
Evaluate maps our Quote Lake intelligence against your data. No long-term commitment. No complex integration. You send us your whole policy book - policies, renewals, and claims outcomes - and we show you a picture of it you've never seen before.
We segment your portfolio into red, amber, and green:
RED - Quotes with manipulation signals, invalid contact data, or NCD patterns that don't add up. These are your exposure.
AMBER - Quotes with some signals but within tolerance. Worth monitoring, not yet alarming.
GREEN - And here's where it gets interesting. The greens aren't just "fine." They're your best customers - claims-free for years, stable data, low shopping frequency. These are the customers your competitors are trying to poach. Do you know who they are?
The greens are your growth opportunity. Not just fraud prevention - growth.
You supply your whole policy book - policies, renewals, and claims outcomes (we'll tell you exactly what we need)
We run it against the Quote Lake - tens of millions of quotes a month, up to six years of history across five Lines of Business
Results two weeks after receipt of the required data: a full Evaluate report with red, amber and green segmentation, actionable findings and a fully costed business case with modelled outcomes
You decide what to do next. No obligation.
"The data requirements are straightforward. The findings are not."
What your current data may not show you
Most insurance intelligence checks each quote against the same foundation: policy records, claims history and credit bureau data. It can't show how the same person has quoted before, or what they altered between quotes.
What You See Today
- Policy records
- Claims history
- Credit bureau data
- Each quote on its own
- One policy at a time
- Reactive
What You're Missing
- Quote declarations
- Pre-inception signals
- Shopping patterns
- Tens of millions of quotes a month
- Up to six years of quote history across five Lines of Business
- How each person has quoted before
- Proactive
When you can see tens of millions of quotes a month in the Quote Lake, your enrichment becomes validation and your pricing becomes precision.
The Intelligence Hub brings it all together - your data, our quote intelligence, and the decisioning logic your team controls - in one platform.
One platform. Every intelligence layer.
The Percayso Inform Intelligence Hub brings together enrichment, analysis, and decisioning in a single platform. Start with what you need. Add layers as your requirements grow.
Start here
Our free daily Preview Report shows what Percayso's data can reveal about your own Lines of Business, from yesterday's quotes. Where every engagement begins.
Data Intelligence validates and enriches the details in your quotes and policies with data from trusted sources, so every match, check and product built on them starts from clean, complete data.
Checks each new quote against the relevant quotes in the Quote Lake, so you can see warning signs before you price or place the risk.
Percayso's flagship: the widest read of the Quote Lake, checking each person in real time across all five Lines of Business and up to six years of quote history, then running your own private rules and models in PIM (Percayso Inform Manager) to give bespoke insight for your pricing. An Evaluate can begin to illustrate what Symphony could deliver for you.
Brings every record for one person together, so when they come to quote you see the whole customer across every policy they hold with you.
From Cazana, our sister company: what a vehicle really is and what it's worth, from its registration, so any difference from what the customer declared shows up early. Find out more at cazana.com.
Inform Manager ('PIM') is Percayso's strategy & rules engine: it runs your own private rules against the data we find and any models implemented therein, generating bespoke insight which informs your pricing.
Hindsight
As much of an Evaluate as your data allows. Share the part of your book you're comfortable with, with some outcomes or none, and see what the Quote Lake shows about it.
Maps your book and its outcomes against the Quote Lake and gives you a fully costed business case, with modelled outcomes. Results two weeks after receipt of the required data, no long-term commitment, and the findings are yours to keep.
Simon James
Founder & Executive Chairman
Renowned in the insurance industry since founding and successfully exiting data enrichment company Insurance Initiatives in 2016, Simon is now realising his vision for a disruptive and innovative new entrant into the data enrichment market. With his many contacts within the insurance industry, Simon is uniquely positioned to drive the business forward.
View LinkedIn ProfileKeith Binley
Chief Executive Officer
As a seasoned executive with over two decades of experience in the data and technology sectors, I am passionate about driving innovation, overcoming challenges, and fostering continuous learning. My leadership philosophy is rooted in straight talk, encouraging smiles at work, and coaching individuals to reach beyond their perceived limits.
View LinkedIn ProfileDavid Kelly
Commercial Director
David works with the Percayso Inform board and wider team to develop new products and services enabling the business to maximise existing opportunities and enter new sectors of the UK insurance market.
View LinkedIn ProfileChris Traill
Client Director
As Client Director at Percayso Inform, Chris is responsible for managing and developing key client relationships across the business. With extensive experience in client delivery and stakeholder engagement, Chris specialises in ensuring Percayso's insight and solutions deliver clear, measurable value for partners.
View LinkedIn ProfileKevin Delapena
Head of Operations
With over 30 years of experience at a variety of blue chip companies including Jaywing, IIL and Experian, Kevin has a wealth of operational business experience. Kevin focuses on keeping the operational side of the business running and ensuring that PIL is compliant with all relevant legislation and regulation.
View LinkedIn ProfileSteve Edmonds
Marketing Director
Steve leads marketing, creative, and communications at Percayso Inform. With extensive creative experience in agencies and businesses, he focuses on positioning complex intelligence solutions clearly and commercially, shaping brand, content, and customer engagement strategies that strengthen market presence, support growth, and communicate Percayso's value with clarity and impact.
View LinkedIn ProfileAnthony Betts
Head of Product
Anthony Betts plays a commercially focused role at Percayso, connecting strategy, partnerships, and operational delivery to turn insight into measurable action. With a strong emphasis on CRM, data flows, and reporting accuracy, he improves transparency and system effectiveness. A pragmatic problem solver, Tony aligns stakeholders, drives momentum, and strengthens the foundations for sustainable growth and lasting trust.
View LinkedIn ProfileWhat our partners say
Percayso has consistently demonstrated an ability to deliver, combining technical expertise with a genuinely agile and collaborative approach. Their willingness to adapt, both technically and commercially, makes them a valued partner and enables us to deliver innovative solutions to the insurance market.
Latest News
People
Spotlight on David Kelly
David Kelly brings commercial insights back to the Percayso Inform team, helping shape products and services that reflect the real needs of the market and turn insurance data intelligence into practical solutions that deliver value
Read more
Newsletter
Percayso Inform Summer 2026 Newsletter
Read all the latest from Percayso Inform, covering everything from articles about award nominations and new partnerships.
Read moreOur Team
Simon James
Founder & Executive Chairman
Keith Binley
Chief Executive Officer
David Kelly
Commercial Director
Chris Traill
Client Director
Steve Edmonds
Marketing Director
Kevin Delapena
Head of Operations
Anthony Betts
Head of Product
The book you have today is inherited.
The book you could have is a choice.
Start with an Evaluate. No commitment, no complex integration. Just a clear picture of what's hiding in your data - and what you could do about it.
