Every insurer who's done one
has been surprised by what they found.
Your book isn't what you think it is. You inherited risks, renewed them on autopilot, and priced them with data that only sees one quote at a time. Evaluate maps your portfolio against the UK's largest quote dataset - 25 million unique quotes per month, 5 years of history, 400+ behavioural attributes - and shows you what's actually there.
The reds. The ambers. And the shades of green you didn't know you had.
What You Think Your Book Looks Like
You have loss ratios by scheme, claims frequencies by postcode, and renewal rates by channel. Your actuaries model risk. Your underwriters set appetite. Your enrichment validates what's declared.
But none of that tells you whether the person quoting with you yesterday also quoted with three competitors - changing their NCD, occupation, and mileage each time. None of it tells you which of your quiet, claims-free renewals are genuinely low risk, and which just haven't been caught yet.
Your data shows you the policies. It doesn't show you the people behind them.
What Evaluate Actually Shows You
We take your policy data and map every person in your book against their full quote history across the UK market.
For each person, we show:
- How they quoted before they bought from you - what they declared, what they changed, and how many times
- Whether their quote behaviour is consistent with legitimate shopping or shows patterns of manipulation
- How they compare to the wider market - are they the kind of risk you want more of, or the kind you're carrying without knowing?
- Their overall risk grade: red, amber, or green
The result is a complete picture of your book that your current data can't provide - because your current data doesn't see the quotes.
See how Evaluate reveals what's really in your book.
Schedule a ConversationThe book you have is inherited.
The book you could have is a choice.
Evaluate classifies every person in your portfolio into one of three segments based on their behaviour across the market - not just their behaviour with you.
Your best customers
Low quote activity. Consistent declarations. No manipulation signals. Claims-free or minimal claims history. These are the risks every insurer wants - and the ones you should be fighting hardest to keep.
Most insurers don't know which of their customers are green until they lose them. Evaluate shows you before renewal.
The uncertain middle
Some quote activity. Some field changes that could be shopping or could be something else. Not clearly problematic, but not clearly clean either.
Ambers are where most pricing models struggle - there isn't enough signal to act decisively. Evaluate gives you the additional context to make a call: reprice, monitor, or leave for the competition.
The risks you're carrying without knowing
High quote frequency. Systematic field changes across multiple quotes. Identity inconsistencies. Patterns that are invisible when you see one quote at a time but unmistakable across the market.
Some reds are price manipulators testing your pricing model. Some are fronting. Some are creating multiple identities. All of them are flowing into your loss ratio - and your current enrichment validates each quote independently.
Evaluate finds them. Before they cost you.
Your data. Our intelligence. A clear answer.
Evaluate is a focused engagement - typically 8 to 12 weeks from data receipt. No long-term commitment. No complex integration. You provide the data, we provide the intelligence, and you decide what to do with it.
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1
You share your policy data
A representative sample of your book - policies, renewals, and ideally claims outcomes. We work with your team to define the right scope and ensure the data is usable. The more complete the data, the richer the analysis - but partial data still delivers meaningful results.
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2
We build your Single Customer View
Your policy records are resolved into unique person entities using the same entity resolution engine that powers our production platform. This isn't simple name-and-address matching - it's an exhaustive process that loops through addresses, vehicles, driving licences, emails, and phone numbers until no new connections are found.
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3
We map your book against the Quote Lake
Every person in your Single Customer View is matched against their full quote history across the UK market - 25 million unique quotes per month across motor, home, van, bike, and travel. We append quote behaviour, shopping patterns, manipulation signals, and market context to every person in your portfolio.
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4
You see what's in your book
The result is a detailed analysis showing your book segmented into red, amber, and green - with the evidence behind each classification. You see which risks are clean, which are questionable, and which are costing you money you didn't know you were losing. Your data. Mapped against the market. In black and white.
Evidence you can act on
Evaluate isn't a theoretical exercise. It's a working analysis of your actual portfolio, delivered through your own Percayso Companion instance - a secure, interactive environment where your team can explore the findings.
Your Book, Segmented
Every person in your portfolio classified as red, amber, or green based on their behaviour across the UK quote market. Not industry averages - your data, your risks, your book.
Correlation Analysis
Where your data includes claims outcomes, we show the correlation between quote-time signals and policy performance. Which quote behaviours predict good outcomes? Which predict bad ones? The evidence speaks for itself.
Interactive Dashboard
Delivered through Companion - your secure Percayso portal. Explore the data, drill into segments, and build your own business case for what comes next. The dashboard is yours to keep, regardless of next steps.
Production Readiness
If you proceed to full deployment, the groundwork is already done. We understand your data, your infrastructure, and your priorities. The entity resolution, field mappings, and enrichment logic developed during Evaluate accelerate everything that follows.
Why Evaluate sees what your current data doesn't
Traditional data providers see policies and claims - what happened after you made a decision. They can't see what was declared at quote time, because they don't see the quotes. Evaluate is powered by the Percayso Quote Lake - the UK's largest dataset of insurance quote behaviour.
per month
history
attributes per person
business
What the Quote Lake Contains
Every quote event across all major UK aggregators - Compare the Market, Confused.com, MoneySuperMarket, Go.Compare, and others. For each quote, the full record: every declared field, cover selections, and outcome.
Five lines of business: Motor, Home, Van, Motorbike, and Travel - with cross-line visibility so we can see a motor customer's home quoting behaviour, and vice versa.
Data from June 2021 to today, continuously growing.
Why This Changes Everything
Your enrichment provider validates the quote in front of them. We validate the person behind all of them.
A customer who quoted once, with consistent fields, through a single aggregator, is a very different risk from someone who quoted twelve times in thirty days, changing their NCD and occupation each time. Both look identical to your current data. They look completely different to ours.
That's the intelligence gap Evaluate closes - on your actual book, with your actual data.
Built for the people who own the numbers
Evaluate is designed for anyone responsible for the quality and profitability of an insurance book. The findings are commercial, not technical - built to inform pricing decisions, underwriting appetite, and retention strategy.
For Insurers
See your book segmented by the behaviour your internal data can't show you. Identify which schemes, aggregators, and risk segments are attracting the greens you want - and which are accumulating the reds you don't.
Evaluate proves the value of quote-stream intelligence on your own data, with your own risks, in your own market position.
Solutions for InsurersFor Brokers
Understand the quality of your client book at person level. Which clients are stable, low-risk, high-retention prospects worth investing in? Which are showing shopping behaviour that signals they're about to leave?
Evaluate gives your retention team intelligence they can act on - weeks before renewal, not after the client has gone.
Solutions for BrokersFor MGAs
An independent view of your scheme performance that doesn't rely on your capacity provider's data. See where your scheme is winning the right risks, where it's attracting the wrong ones, and what your portfolio actually looks like mapped against the wider market.
Solutions for MGAsEvaluate is the beginning, not the destination
Every Evaluate engagement is designed to stand on its own - you see the intelligence, you own the findings, and there's no obligation to proceed. But in practice, the organisations that see what's in their book want to act on it. Here's where Evaluate leads:
Quote Intelligence
Deploy the same intelligence at point of quote - in real time, every quote, automatically.
Learn more
Alert
Real-time signals when an in-force customer quotes elsewhere. Act before they leave, not after.
Learn more
Symphony
Every intelligence layer - quote, policy, customer, bureau - combined across 5+ years of data.
Learn moreWhat's in your book?
You've seen what the intelligence looks like. Now see what it looks like on your data. Evaluate takes 8 to 12 weeks, there's no long-term commitment, and the findings are yours to keep. Every insurer who's done one has been surprised by what they found.
