Mispricing, manipulation, silent churn: the gaps that cost you sit in the data you don't hold. Percayso Inform combines enrichment, the UK's largest quote dataset, live policy monitoring and a single customer view to close them.
Every month, 25 million unique quotes flow through our platform across motor, home, van, bike, and travel. 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 60% of quotes that are one-shot - no comparison, no validation, just a single declaration flowing straight into your pricing model.
Imagine 100 people quoting for motor insurance today. Around 60 will quote once and leave - you'll never see them again, and there's no comparison set to validate their data. Of the 40 who quote multiple times, 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.
You're enriching data, but are you enriching the right data? Most insurers discover that 15-25% 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.
Of the 40 in every 100 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 - across every aggregator, every direct quote, every comparison journey.
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?
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.
Every insurer who's done an Evaluate has been surprised by what they found.
Evaluate maps our Quote Lake intelligence against your data. No long-term commitment. No complex integration. You send us a sample, we send you back a picture of your book 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.
"The data requirements are straightforward. The findings are not."
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.
When you can see 25 million unique quotes per month across the UK market, 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.
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.
Enrichment that reveals the gaps in your existing data - vehicle, address, identity, and contact validation in real time.
Cross-market quote analysis from the UK's largest quote dataset. See manipulation, shopping patterns, and risk signals before you bind.
Continuous monitoring of your in-force book. Know when customers shop, when risk profiles change, and when renewals are at risk.
Single Customer View across policies, quotes, and households. See every interaction, every product, every signal - one entity.
Credit bureau searches - public, private, dual, or multi-bureau - integrated into a single API call through our platform.
Competitive positioning intelligence. See how your pricing compares, where you're winning, and where you're losing.
No-code decisioning. Your pricing, fraud, and enrichment rules - tested, deployed, and changed by your team, not your IT department.
Real-time signals when an in-force customer quotes with a competitor. Two weeks' warning before the cancellation call.
Everything, combined. The full intelligence stack - enrichment, quote analysis, policy monitoring, customer view, and decisioning - in a single, orchestrated platform.
Simon James
Founder and 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 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 ProfileNeil Smyth
Head of Analytics
With a keen analytical mind and a breadth of experience spanning marketing, credit bureau and financial data analysis, Neil is an expert in extracting the true value of consumer data. Having headed up the analytics team at Insurance Initiatives, as well as First Direct, Jaywing and Morrisons, Neil is pushing the boundaries in machine learning and data science at PIL.
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 ProfileTony Betts
Head of Product
Tony 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 ProfileCase studies coming soon. Contact us to hear directly from our customers.
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