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?Validated declarations close the gaps you can't see
- Manipulation?2M+ quotes a day show who's gaming you
- Silent churn?Quote history shows who has been shopping
- Shared strategies?Your own Private PIM: your strategies, no code
One platform, one Single Customer View
2M+
quotes
/ day
/ day
Up to 6 Years
of Private Car
quote history
quote history
5 Lines
of
business
business
1
connection
Most insurers think they know their book.
The ones who actually checked found the biggest gaps.
What We See
Every day, 2 million unique quotes flow through our platform across car, home, taxi, van and motorbike. Not policies. Not claims. Quotes - the moment a customer or prospect declares who they are and what they want to pay.
That's a fundamentally different dataset. Traditional intelligence providers see what happened after you bound a policy. We see what was declared before you made a decision.
We see the customer who quoted with you on Tuesday with 3 years' NCD, then quoted with your competitor on Wednesday with 5. We see the quote with a residential address on a vehicle registered to a business. We see the many quotes that are one-shot - no comparison, no validation, just a single declaration flowing straight into your pricing model.
What It Means For Your Book
Imagine 100 people quoting for motor insurance today. Many will quote once - you'll never see them again, and there's no comparison set to validate their data. Of those who quote more than once, a significant proportion will change fields that directly affect their premium - NCD years, occupation, annual mileage, voluntary excess.
Some of that is legitimate shopping. Some of it isn't. Without quote-stream intelligence, you can't tell the difference - and that uncertainty flows directly 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, Bureau 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 all of them - every Quote Lake quote for your Lines of Business.
Products: Quote Intelligence, Alert
See how we solve this
Retention Without Warning
By the time a customer calls to cancel, it's already too late. They quoted elsewhere days ago. They compared prices. They may already have a new policy.
What if you knew the moment they started shopping - with enough time to act?
Products: Policy Intelligence, Alert, Customer 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 - 2 million unique quotes a day, up to six years of history (Private Car)
Results 8 to 12 weeks after receipt of the required data: a full Evaluate report with red, amber, green segmentation and actionable findings
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 works from the same foundation: policy records, claims history, and credit bureau data. That's the view after you've made a decision. It can't show you what was declared at quote time, what changed between quotes, or who's shopping your book right now.
What You See Today
- Policy records
- Claims history
- Credit bureau data
- What happened after you made a decision
- One customer at a time
- Reactive
What You're Missing
- Quote declarations
- Pre-inception signals
- Behaviour across our clients' quotes
- Shopping patterns
- Real-time competitor activity
- 2M+ unique quotes a day
- Up to six years of quote history (Private Car)
- What was declared before you decided
- Proactive
When you can see 2 million unique quotes a day in the Quote Lake, your enrichment becomes validation, your pricing becomes precision, and your retention becomes proactive.
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.
In Development. Percayso's flagship: designed as the widest read of the Quote Lake, checking each person in real time across all five Lines of Business and years of quote history, then running your own private rules and models in your Private PIM to generate bespoke insight for your pricing. An Evaluate can begin to illustrate what Symphony could deliver for you.
In Development. Designed to keep your whole policy book up to date with what happens to each policy, every day, and the foundation for Alert, Customer, Market, Renewal and Prospect Intelligence.
In Development. Designed to bring every record for one person and their household together, so when they come to quote you see the whole customer across every policy they hold.
Available now ยท Enhancements planned. Adds credit bureau data to your quotes, with TransUnion and Experian as our bureau partners. Further bureaux and predictive models are planned, with private bureau data to follow as regulation allows.
In Development. Designed to add your customers' quote behaviour to your policy records, so you can see who is shopping for cover you could offer.
Tells you about the vehicle from its registration, including evidence of its value, so any difference from what the customer declared shows up early.
In Development. Designed to tell you when your existing customer is shopping around, for example as renewal approaches, while there is still time to keep them.
In Development. Designed to show you, when someone new asks for a quote, what else they have quoted for, so you can price the first policy with the whole relationship in view.
In Development. Designed to show what has changed about a renewing customer since inception, so you can set the renewal price on up-to-date insight at the point of renewal.
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.
Maps your book against the Quote Lake and shows you what is really in it. Results 8 to 12 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.
