Your enrichment sources might not be
talking to each other.
Every insurer enriches at point of quote. Bureau. Vehicle. Address. Fraud. The standard kit. But each source works in isolation - searching only on the keys the applicant supplied, returning only what those keys can find.
What if a bureau search could use keys discovered from the quote stream? What if vehicle data could trigger a deeper identity check? What if every source made every other source work harder?
That's what orchestration does. And it's what the Intelligence Hub was built to deliver.
The Single-Pass Problem
Standard enrichment is linear. You receive a quote. You call your data suppliers. Each supplier searches on the keys the applicant provided - name, address, date of birth, vehicle registration. Each returns what it finds. You price the risk.
But the applicant controls the keys. If they supplied a slightly different name, a previous address, or an inflated NCD - your enrichment only finds what those keys can reach.
One pass. One set of keys. One chance to find the truth.
Most of the UK insurance market works this way. Every enrichment call is independent. No source benefits from what another source discovered.
What Orchestration Changes
The Intelligence Hub connects your enrichment sources into an orchestrated cycle.
Quote Intelligence searches the Quote Lake and discovers keys the applicant never supplied - previous addresses, alternative names, phone numbers, email addresses, vehicles.
Those discovered keys feed into Bureau Intelligence. Bureau searches on keys the applicant didn't supply return credit data and address links that would never have surfaced from the original application alone.
The bureau data returns more addresses and aliases - which feed back into Quote Intelligence for another pass. More discoveries. More keys. More searches across every source.
The result: 13x more quote matches from the same underlying data.
Enrich. Inform. Deploy.
The Intelligence Hub processes every quote through three tiers. Data comes in raw. Intelligence goes out interpreted, scored, and ready for your pricing engine - in real time, at the speed your quote journey demands.
Enrich
Tier 1: Data AcquisitionThree gateways bring data together from every source:
- Partner Gateway - external APIs to third-party providers (Experian, Equifax, TransUnion, Synectics, and more)
- Percayso Gateway - Quote Lakes across five lines of business, plus Cazana vehicle intelligence
- Private Gateway - your own data hosted securely on AWS, including policy files and proprietary models
One connection point. Every data source. No separate integrations to manage.
Inform
Tier 2: IntelligenceRaw data becomes interpreted intelligence. This is where orchestration happens - Quote Intelligence discovers keys, Bureau Intelligence searches deeper, and the cycle repeats until no new information surfaces.
Over 400 behavioural attributes are calculated from the combined results. Manipulation patterns, shopping intensity, declaration discrepancies, risk signals - all derived and ready for decisioning.
Your Inform Manager (PIM) instance runs here - applying your rules, your thresholds, and your scoring logic to the orchestrated intelligence.
Deploy
Tier 3: DeliveryEnriched, interpreted, scored responses return to your pricing engine in real time. Red/Amber/Green classifications. Attribute scores. Risk signals. Decision recommendations.
Everything your underwriting, pricing, and fraud teams need - delivered in milliseconds, in the format your systems expect.
Five lines. One platform. Cross-market intelligence.
The Intelligence Hub operates five separate Quote Lakes - one for each line of business. But the real power is what happens when they connect.
Why Cross-Line Matters
A household insurer can see their customer's private car quote history - revealing vehicle theft risk patterns that household data alone can't show.
A motorcycle insurer can read private car behaviour as a proxy for manipulation tendency. A taxi insurer can see the full picture of a driver's quoting behaviour across personal and commercial use.
Cross-line intelligence turns five separate databases into one connected risk picture.
25 Million Quotes a Month
The Quote Lake ingests more than 25 million unique quotes per month across the UK market. Five years of NCD history. Over 400 behavioural attributes per quote.
Every quote is de-duplicated across sources using a multi-source engine that combines data from aggregators and software houses - ensuring the best record survives from every submission.
This is the dataset that LexisNexis cannot offer. They see claims and policy data. We see the quote stream - what people declare before they buy, how it changes, and what it reveals.
One connection. Every future feature.
No further integration work.
The Intelligence Hub operates as a single gateway. Connect once through your software house, and every new intelligence product rolls out automatically - no additional IT projects, no re-integration, no downtime.
Live Integrations
- Open GI
- Acturis
- Next Venture Technologies
These software houses route API calls directly to the Intelligence Hub gateway. Their clients access every intelligence product through the existing connection.
In Progress
- SSP
- CDL
- Applied
Once live, these integrations will open the platform to the majority of the UK broker and insurer market.
Platform Agnostic
Unlike competitors locked to a single software house, the Intelligence Hub is callable from any platform.
Hummingbird is tied to CDL. FeatureSpace is embedded in SSP. Our gateway works with everyone - because your choice of software house shouldn't limit your choice of intelligence.
See what single-pass enrichment misses
The difference between standard enrichment and orchestrated enrichment isn't the data sources - it's what happens between them. Here's how a single quote flows through the Intelligence Hub.
-
1
Quote arrives
A consumer presses "Get Quotes" on a comparison site. The quote fans out to multiple insurers. Each insurer's software house calls the Intelligence Hub with the applicant's declared details.
-
2
Quote Intelligence searches the Quote Lake
QI searches 25 million quotes across all five lines of business. It discovers keys the applicant never supplied - a previous address, an alternative phone number, a different name variant.
-
3
Discovered keys feed Bureau Intelligence
BI searches on the discovered keys - not just the applicant's declared keys. Credit data, address links, and alias names surface that would never have appeared from the original application alone.
-
4
The cycle repeats until exhausted
Each enrichment source feeds the next. QI discovers keys. BI deepens the picture. CUE, SIRA, and DI sources all benefit from the expanded key set. The cycle continues until no new information surfaces.
matches
from dual bureau
attributes per quote
Same underlying data. Orchestrated differently. 13x more intelligence.
Every intelligence product. One platform.
The Intelligence Hub isn't a single product - it's the platform that makes every product work together. Start with what you need. Add layers as your requirements grow.
Quote Intelligence
Manipulation detection and key discovery from the Quote Lake. 30-day rolling window across five lines of business.
Learn more
Data Intelligence
Standard enrichment from 20+ data providers. Vehicle, property, identity, address, claims. The reliable workhorse.
Learn more
Bureau Intelligence
Multi-bureau searches with orchestrated key discovery. Public, private, dual, and multi-bureau strategies.
Learn more
Inform Manager (PIM)
Your rules. Your thresholds. Real-time deployment. No IT dependency. No LexisNexis equivalent.
Learn more
Symphony
The apex product. All intelligences combined with 6+ years of Quote Lake history. Limited to 6 clients.
Learn more
Evaluate
Your free assessment. We analyse your book against the Quote Lake and show you the size of the prize. 8 to 12 weeks.
Start EvaluateOne platform. Every role.
The Intelligence Hub serves every function that touches pricing, risk, and customer intelligence. The platform is the same - the value changes by role.
Head of Pricing
The PainEveryone enriches the same way - public bureau, CUE, SIRA. Hard to differentiate on price without taking on more risk. Pricing decisions based on incomplete intelligence.
What ChangesQI identifies the clean 80% of applicants for confident discounting. Multi-bureau adds 7x predictive power. PIM gives real-time control of pricing rules - champion/challenger testing, instant deployment, no IT queue.
"Price to win the best risks - discount with confidence, load with evidence."
Head of Underwriting
The PainSingle-pass enrichment misses manipulation. Keys the applicant didn't supply hide adverse data. One bureau source leaves blind spots in the risk picture.
What ChangesQI discovers keys and manipulation patterns across the quote stream. BI orchestrates multi-bureau searches on those discovered keys. The orchestration effect means nothing hides behind a single set of supplied keys.
"See what single-pass enrichment misses - discovered keys expose hidden risk."
Head of Fraud
The PainCatching fraud after inception. Limited to whatever your current supplier's single-pass search reveals. Can't see cross-market manipulation patterns.
What ChangesQI detects manipulation across the quote stream in real time. Over 400 attributes per quote. Multi-bureau discovers aliases and address links. Cross-line-of-business signals reveal behaviour your current data can't see.
"Detect manipulation before policy inception - 400 attributes, cross-market visibility."
Head of Marketing
The PainAggregator acquisition is expensive. Can't identify which quotes to compete hardest on. Spending the same on every quote regardless of quality.
What ChangesQI and BI together identify green quotes worth competing for. PIM enables dynamic pricing strategies. Confident discounting on clean business wins aggregator traffic at better margins.
"Spend acquisition budget on the quotes worth winning - not all of them."
The numbers from live data
These aren't modelled projections. They're results from production data - real quotes, real policies, real outcomes.
Somerset Bridge
QI V3 live. V4 evaluation completed on production data - 275,701 quotes analysed.
Result: 13x increase in quote matches confirmed on live data (11.8 million matches vs 860,000 from the same base population).
Private PIM instance deployed. Upgrade path from V3 to V4 to Symphony validated.
Dual Bureau - Market First
Percayso is positioned as the first UK provider to offer fully integrated multi-bureau orchestration for insurers.
7x predictive power from dual bureau vs single source. 8x from triple bureau.
Agreements in place with all three UK consumer credit bureaus: Experian, TransUnion, and Equifax.
Platform Reach
Live software house integrations: Open GI, Acturis, Next Venture Technologies.
In progress: SSP, CDL, Applied.
Platform-agnostic gateway - callable from any software house. No lock-in. 50+ insurance clients across insurers, MGAs, and brokers.
One connection. Every intelligence layer.
See what orchestration finds in your book.
Start with an Evaluate. We analyse your book against the Quote Lake, 25 million quotes a month, five years of history, and show you what orchestrated enrichment reveals that single-pass enrichment misses.
8 to 12 weeks. No long-term commitment. The intelligence is yours to keep.
