Data Intelligence

You're calling ten providers.
None of them know what the others found.

Every enrichment call runs independently. Bureau returns a score. CUE returns claims. Vehicle checks return a valuation. Each provider sees only the keys the applicant supplied and returns only what those keys can find. Nothing feeds forward. Nothing loops back.

What if a name variation discovered by one source could trigger a deeper search in another? What if an address link from bureau data could unlock a CUE history that the original keys missed entirely?

The Integration Problem

You have a bureau contract. A CUE provider. A vehicle data feed. Maybe a fraud screening service and a property dataset. Each one required a separate integration, a separate contract, a separate response format.

When you need a new source, the cycle starts again: vendor selection, procurement, IT integration, testing, deployment. Months of work before a single quote is enriched.

And even when the data arrives, it arrives in isolation. Your bureau provider doesn't know what CUE returned. Your vehicle data doesn't inform your fraud check. Each source operates in its own silo, and your pricing model inherits every gap between them.

What if there were a single connection that made each source work harder by sharing what it found?

What Data Intelligence Delivers

A single API gateway to 30+ third-party data providers: credit bureaus, CUE, SIRA, vehicle, property, identity, fraud, and financial data. All orchestrated, all returned in one response.

But the real difference is not aggregation. It is orchestration. Keys discovered by one provider feed into searches on every other. An address variant from a bureau lookup drives a deeper CUE search. A vehicle registration from a quote history unlocks a finance check that was never triggered.

Your enrichment doesn't just run. It compounds.

  • 30+ providers through one integration
  • Address, vehicle, person, and financial enrichment
  • Real-time delivery at point of quote
  • Sub-second response times across millions of transactions
  • Every new provider rolls out without further IT work

One connection. Every data source. Every future source.

Data Intelligence sits on the Percayso Intelligence Hub, a single gateway that connects your systems to every enrichment source through one integration. Your software house connects once, and every new data provider, every new capability, every future product rolls out without further IT work.

30+
data providers
orchestrated
5 Lines
of business
supported
Sub-second
response times
at scale
6
software house
integrations

What We Aggregate

Credit reference data from all three UK consumer bureaus (Experian, TransUnion, Equifax). CUE claims history via CRIF. SIRA fraud screening via Synectics. Vehicle data including MOT history, valuations, specifications, and finance status.

Property data from Chimnie, Outra, and WhenFresh. Identity verification. UK sanctions checks. ML-powered propensity models.

Every source is available across motor, household, commercial vehicle, motorcycle, and taxi lines of business. The architecture is LOB-agnostic: the same enrichment framework serves all five lines from a single configurable platform.

How Orchestration Works

Traditional enrichment is parallel: call five providers, get five independent responses, stitch them together in your pricing model.

Orchestrated enrichment is iterative. Provider A returns a new address variant. That variant drives a search on Provider B, which returns a name alias. The alias drives a search on Provider C. Each source adds keys that unlock results from every other source.

This is the core difference between aggregation and orchestration. Aggregation gives you the sum of your parts. Orchestration gives you more than the sum, because each part amplifies the others.

The Intelligence Hub manages the entire cycle in real time, within the quote latency window. Your system makes one call. Everything else happens on our side.

What your current enrichment might be missing

Most enrichment providers validate what the applicant declared. Data Intelligence goes further. It discovers what the applicant didn't declare, and uses those discoveries to enrich deeper.

Address Intelligence

Addresses are validated, standardised, and resolved to coordinates, UDPRNs, and geographic identifiers. But the real value is in the variants. When an applicant's quote history reveals a previous address, that address drives searches across bureau, CUE, and property data that the declared address alone would never trigger.

For household lines, property-level enrichment from Chimnie, Outra, and WhenFresh adds building attributes, risk and perils data, environmental factors, and independent valuations, all at point of quote.

Vehicle Intelligence

Comprehensive vehicle data via Cazana: specifications, valuations, MOT history, mileage verification, finance status, and sales history. Available across motor, commercial vehicle, and motorcycle lines.

When Quote Intelligence discovers a vehicle the applicant didn't declare, a previous car, a second vehicle, a commercial van, that registration feeds into vehicle enrichment automatically. You see the full vehicle footprint, not just the one on the application.

Person Intelligence

Identity verification, driving licence validation, and financial screening. Name matching that handles multi-part names, international formats, and known aliases. Email and phone number validation that detects dummy entries through pattern matching and frequency analysis.

When bureau data reveals alias names or linked individuals, those identities feed back into the enrichment cycle, driving CUE searches, SIRA checks, and quote history lookups on keys the applicant never supplied.

Financial Intelligence

Credit bureau data from Experian, TransUnion, and Equifax: public and private searches, credit scores, address links, and tradeline data. CUE claims history. SIRA fraud markers. UK sanctions screening.

Through Bureau Intelligence, dual-bureau searches deliver 7x more predictive power than a single source. The keys discovered by bureau searches feed back into Quote Intelligence and CUE, creating an iterative loop where financial data and quote behaviour data amplify each other.

Intelligence delivered before the customer sees a price

Data Intelligence operates at the speed of a quote. Your system makes one API call. The Intelligence Hub orchestrates every provider call, aggregates the responses, and returns enriched data, all within the quote latency window.

  1. 1 Your software house sends a quote to the Intelligence Hub
  2. 2 Data Intelligence identifies which providers to call based on your configured enrichment strategy
  3. 3 Provider calls execute in parallel where possible, in sequence where one source's keys feed into another
  4. 4 Keys discovered by early providers drive additional searches on downstream providers
  5. 5 Responses are aggregated, de-duplicated, and normalised into a single response format
  6. 6 Optional: Inform Manager applies your business rules, accept, refer, price-adjust, decline
  7. 7 Enriched data returns to your rating engine within the quote journey

One integration replaces many. And every new data source we add becomes available to you without further IT work. The gateway connection is a one-time migration. Everything after that is configuration, not integration.

What the numbers show

19 insurer and broker clients actively using core enrichment through Data Intelligence. Integrated into Open GI, Acturis, and Next Venture Technologies, with SSP, CDL, and Applied in progress. Platform-agnostic: callable from any software house.

Orchestration Impact

When enrichment sources share keys, the same underlying data returns dramatically more signal.

13x increase in quote matches confirmed on live production data. 11.8 million matches vs 860,000 from the same base population.

That's not new data. It's the same data, working harder because it's orchestrated.

Full Quote Enrichment

For indirect insurers on comparison sites, Data Intelligence enriches the full quote data captured by the software house, not just the limited "short quote" data that reaches your rating engine by default.

Same data depth as a direct writer. No change to your distribution model.

Platform Reach

Live software house integrations: Open GI, Acturis, Next Venture Technologies.

In progress: SSP, CDL, Applied.

Platform-agnostic gateway. No lock-in. 50+ insurance clients across insurers, MGAs, and brokers.

Built for every part of UK insurance

Data Intelligence is the enrichment foundation underneath every Percayso product. Whether you start with standard enrichment or build toward full orchestration, DI is the gateway that connects everything.

For Insurers

The enrichment foundation for your pricing model. Whether you write motor, household, or commercial lines, Data Intelligence aggregates every data source through one gateway and delivers enriched data at point of quote.

For indirect insurers on comparison sites, full quote enrichment eliminates the data disadvantage. Your pricing model receives the same depth as a direct writer.

Solutions for Insurers

For Brokers

Access the same enrichment sources your insurer panel uses, without managing separate provider contracts. Data Intelligence integrates into your software house platform, giving your trading teams richer data at point of quote across every line of business.

Better enrichment means more accurate quotes, fewer referrals, and stronger conversion.

Solutions for Brokers

For MGAs

Build your enrichment strategy without building your own data infrastructure. Data Intelligence provides the same provider access that tier-one insurers have, delivered through a single API that scales with your volume.

Combine standard enrichment with Quote Intelligence and Bureau Intelligence for a data stack that matches or exceeds your capacity providers' own capabilities.

Solutions for MGAs

For Comparison Sites

Enrich the quote stream before it reaches your insurer panel. Data Intelligence adds identity verification, fraud screening, and behavioural signals to every quote, improving the quality of data your partners receive and reducing the friction of panel integration.

The enrichment happens in real time, within the quote journey, with no impact on customer experience.

Solutions for Comparison Sites

See what your enrichment could be returning

One gateway connection. Every data source orchestrated. Every future source rolled out without further IT work. Start with an Evaluate to see the difference on your own book, or schedule a conversation to explore how orchestrated enrichment could work for your business.

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