Your best customer quoted elsewhere today.
Would you know?
Right now, somewhere in your book, a policyholder is requesting quotes from comparison sites. They're testing the market. They're seeing what else is available. They may not have decided to leave yet, but they've started the process.
Your policy admin system doesn't know. Your CRM doesn't know. Your renewal workflow will send them the same standard offer it sends everyone else, at the same time, with the same stale intelligence.
Alert monitors the UK quote stream in real time. When one of your in-force policyholders appears in the Quote Lake shopping for insurance, you know. Not after they've left. Not at renewal. Now. While there's still time to do something about it.
The Retention Problem You Can't See
Most insurers lose around 40% of their renewal offers. The standard response is to improve the renewal offer, better price, better terms, better communication. But those improvements are applied uniformly, because you don't know which customers are actively shopping and which ones aren't.
The customer who renewed last year without looking is treated the same as the one who's had five quotes this week. The loyal customer gets the same retention spend as the one who's already made up their mind to leave.
Without visibility into the quote stream, retention is a numbers game. You improve the average and hope the results follow. What if you could see exactly who is shopping, when they started, and how aggressively they're looking?
What Alert Shows You
When a policyholder in your book appears in the UK quote stream, Alert tells you:
- That they are actively shopping for insurance
- When the shopping activity started
- How many quotes they've requested
- Which lines of business they're quoting on
- Whether the fields they've declared match what's on your policy, or whether something has changed
This is not a batch report at month-end. It is a real-time signal, delivered as it happens, giving your retention team days or weeks of lead time before the customer makes a decision.
Two weeks of warning changes what's possible. A phone call from your retention team while the customer is still considering their options is worth more than a discount letter after they've already accepted another quote.
Built on the UK's largest quote dataset
Alert is powered by the Percayso Quote Lake, 25 million unique quotes per month across motor, home, van, bike, and travel. When a person in your policy book matches a person in the quote stream, Alert fires.
25M+
unique quotes per month
5 Lines
of business monitored
Real-time
monitoring and notification
Weeks
of early warning per signal
Alert works at policy level through Policy Intelligence. For deeper visibility, including entity resolution, family groupings, and cross-policy shopping, upgrade to Customer Intelligence. The same data feed, no additional work from your team.
The difference between knowing and not knowing
Every insurer invests in retention. The question is whether that investment is targeted or uniform. Alert turns retention from a numbers game into a precision operation.
Proactive Retention
Without Alert: Your renewal team works a list of all customers approaching renewal. Everyone gets the same treatment. Some needed intervention. Most didn't. The ones who needed it most may already have accepted another quote by the time your offer arrives.
With Alert: Your team knows exactly who is shopping, how actively, and when it started. Retention effort is concentrated on the customers who are genuinely at risk of leaving. A targeted call or revised offer reaches them while they're still comparing, not after they've committed.
Renewal Pricing
Without Alert: Renewal offers are built on internal data alone, claims history, payment history, policy tenure. The customer's market activity is invisible. You may be over-pricing a loyal customer or under-pricing one who's about to leave regardless.
With Alert: Quote shopping activity becomes a signal in your renewal model. A customer who hasn't shopped is a different renewal risk than one who's had twelve quotes this week. Your pricing team can factor market engagement into the renewal offer, rewarding loyalty and pricing for flight risk.
Portfolio Quality
Without Alert: You find out which customers left when they don't renew. Post-mortem analysis tells you what happened. But the customers are gone, and the premium with them.
With Alert: You see attrition forming before it happens. Aggregate shopping signals across your book reveal which segments are under pressure, which products are losing competitiveness, and where your pricing needs to respond. Strategic decisions are based on leading indicators, not trailing ones.
Not just who's leaving.
Who might be buying.
Alert monitors the full quote stream, not just the line of business you write. If your motor policyholder quotes for home insurance, Alert tells you. If they quote for commercial vehicle, Alert tells you. The same person, a different product, a cross-sell opportunity you would never have seen.
Cross-Sell Signals
Your motor policyholder quotes for household insurance on a comparison site. Your CRM doesn't know. Your policy admin doesn't know. But Alert does, because the Quote Lake covers all five lines of business.
That's not a retention risk. That's a cross-sell opportunity. A customer who's already in your book, already paying premiums, actively shopping for a product you might offer.
Alert identifies these moments in real time. Whether you act on them through your retention team, your marketing operation, or your CRM automation is up to you. The signal is there.
Prospect Identification
With Customer Intelligence, Alert extends beyond your existing book. When the Quote Lake reveals a person who matches an identity in your customer database but is not currently a policyholder, an orphan record, a lapsed customer, a connected family member, Alert can flag them as a prospect.
These are not cold leads. They are people with an existing connection to your business, actively shopping for insurance, identified through entity resolution and quote stream monitoring. The conversion rate on a warm, timely outbound is materially different from a cold campaign.
The intelligence your competitors may not have
Alert exists because Percayso operates the UK's largest insurance quote dataset. No other enrichment provider monitors the live quote stream for policyholder activity. This capability is unique to the Percayso ecosystem.
25M+
unique quotes per month monitored
5
lines of business monitored
Real-time
notification as shopping is detected
Around 40% of renewal offers are declined across the UK insurance market. Alert doesn't eliminate attrition. But it changes the economics of retention by concentrating effort on the customers who are genuinely at risk, and reaching them while the window is still open.
How Alert works for your business
Alert integrates with Policy Intelligence or Customer Intelligence to monitor your policyholder book against the live quote stream. The deployment model depends on how deep you want to go.
Policy Intelligence + Alert
Entry-level Alert. Your policy feed is loaded into Policy Intelligence. Alert monitors at policy level, when a policyholder quotes elsewhere, you receive a notification tied to that policy.
This is the fastest route to early warning. No entity resolution required. Policy-level matching against the Quote Lake. Real-time signals for your retention team.
Customer Intelligence + Alert
Upgraded Alert. Entity resolution compresses your policy feed into a Single Customer View. Alert now monitors at customer level, not just policy level.
This means family groupings, multi-policy households, and lapsed customers are all visible. When any connected identity in your customer database appears in the quote stream, Alert fires. The signal is richer, the coverage wider, and the cross-sell opportunities become visible.
Alert + Inform Manager
Automated Alert. Percayso Inform Manager applies your rules to incoming alerts, auto-triggering retention workflows, adjusting renewal offers, flagging high-value customers for personal intervention, or suppressing alerts for customers you've already decided to divest.
Your retention strategy runs on your logic, in real time, without manual triage.
Early warning for every part of UK insurance
Insurers
Know when your policyholders are shopping before they leave. Alert gives your retention team actionable intelligence, who is at risk, when the shopping started, and how aggressively they're looking. Combined with Bureau Intelligence and Quote Intelligence, you see not just the shopping behaviour but the financial and manipulation context behind it.
Solutions for InsurersBrokers
Your clients are your book. When one of them starts shopping through comparison sites, Alert tells you, giving you the chance to call, re-quote, and retain the relationship before the customer commits elsewhere. The intelligence sits at person level, actionable in your CRM.
Solutions for BrokersMGAs
Scheme retention is everything. Alert monitors your policyholders against the full UK quote stream, giving you visibility into attrition patterns at scheme level. See which segments are under pressure, which products are losing competitiveness, and where your pricing needs to respond.
Solutions for MGAsComparison Sites
Understand the full shopping arc of your users. When a customer who quoted on your platform also quotes through a competitor or direct insurer, Alert reveals the cross-channel behaviour. This informs both your commercial strategy and the intelligence you share with your insurer panel.
Solutions for Comparison SitesFind out who's shopping before they leave
Start with Policy Intelligence and Alert. Load your in-force book. Within weeks, you'll see which of your policyholders are actively shopping the market, and how much lead time you have before they decide.
The customers worth keeping are the ones worth knowing about.
