Your renewal intelligence
is 11 months old.
You priced the risk at inception. You enriched the data at point of quote. Then the policy went to your admin system and the intelligence stopped.
Eleven months later, you make a renewal offer based on the same data you had at inception. The customer has changed. The market has changed. Their risk profile has changed. But your intelligence hasn't.
Around 40% of renewal offers are declined. Most insurers don't know why until after the customer has gone.
What Happens Between Renewals
Your policy admin system manages transactions - endorsements, adjustments, payments, claims. It's good at what it does. But it doesn't generate intelligence.
Between inception and renewal, your customer may have:
- Started shopping across three aggregators
- Changed their declared details on new quotes
- Received competitive offers from four other insurers
- Decided to leave before you even knew they were looking
None of that shows up in your policy admin data. You find out at renewal - when it's too late to do anything about it.
What Policy Intelligence Shows You
Policy Intelligence enriches your book at the policy level. Every policy in your portfolio is monitored against the live quote stream. When a policyholder starts shopping, you know.
For each policy, we show:
- Whether the policyholder has been quoting elsewhere
- When they started shopping (days or weeks before renewal)
- What they declared on those quotes compared to your policy record
- Their shopping intensity - one exploratory quote or systematic market comparison
- An overall risk-of-lapse signal for your retention team
This isn't a renewal report generated at month 11. It's continuous intelligence that triggers the moment your customer enters the market.
Know when they're shopping.
Not when they've left.
Alert is Policy Intelligence's core capability. It monitors the quote stream for your in-force customers and triggers when a policyholder quotes elsewhere - in real time, weeks before their renewal date. This changes the retention conversation from reactive ("why did they leave?") to proactive ("they're shopping now - what do we do?").
The Early Shopper
6 weeks before renewal. Your customer starts comparing prices. One quote on a comparison site. Then another.
Without Alert, you don't know. You send the standard renewal offer at day 21. By then, they've already found a better price and made their decision.
With Alert, your retention team knows at week 6. That's 5 weeks of runway to make a competitive offer, call the customer, or adjust the renewal terms.
The Silent Leaver
No claims. No complaints. No contact. A perfectly quiet policyholder who simply doesn't renew. Your retention team never had a chance to intervene because there was no signal - until the cancellation.
Alert catches the signal your admin system can't: the moment they start quoting elsewhere. Quiet doesn't mean loyal. It means they haven't told you they're leaving yet.
The Detail Changer
Your policy says NCD 3 years, occupation "retail manager", annual mileage 10,000. The quote they just submitted to a competitor says NCD 5 years, occupation "company director", mileage 6,000.
Alert doesn't just tell you they're shopping. It shows you what they're declaring elsewhere - and whether it matches what's on your book. That's intelligence your underwriting team needs, not just your retention team.
Enrichment that doesn't stop at inception
Alert is the most visible capability, but Policy Intelligence also enriches your book on an ongoing basis. Every policy in your portfolio is periodically re-enriched with the latest external data - so your renewal decisions are based on current intelligence, not 11-month-old data.
What Gets Enriched
Policy Intelligence takes your policy data - in whatever format you have it (CSV, SFTP, database extract) - and enriches each policy with:
- Quote Lake signals (shopping activity, market behaviour)
- Data Intelligence sources (vehicle, property, identity)
- Bureau data (credit, address, alias verification)
Each policy is enriched as an independent record. The result is a richer, more current version of your book - without changing your existing systems.
Why This Matters at Renewal
Your pricing model at inception used the best data available at that moment. But data decays. Addresses change. Risk profiles shift. Market conditions move.
By the time you generate a renewal offer, the data you're pricing on may no longer reflect the actual risk. Policy Intelligence keeps your intelligence current - so your renewal pricing reflects reality, not history.
Better-informed renewal offers. Fewer lapses from overpricing good risks. Fewer losses from underpricing bad ones.
Your data in. Live intelligence out.
No integration project.
Policy Intelligence is designed to work with what you have. There's no complex IT integration. You provide your policy data, we handle everything else.
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1
You share your policy data
CSV, SFTP, database backup - whatever format you have. We work with your team to define the scope and map the fields. No standardisation required on your side.
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2
We enrich every policy
Each policy is matched against the Quote Lake and enriched with external data sources. Shopping signals, manipulation indicators, and risk factors are appended to every record.
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3
Alert starts monitoring
From the moment your policies are loaded, Alert monitors the live quote stream for your customers. When a policyholder quotes elsewhere, the signal is generated in real time.
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4
Your team acts on the intelligence
Alerts and enrichment data are delivered through your Companion portal - a secure, single-tenant environment your team can access directly. Retention teams get actionable signals. Pricing teams get current data. Underwriting teams get declaration discrepancies.
Policy Intelligence is the entry point.
Customer Intelligence is the destination.
Policy Intelligence operates at the policy level - each policy is an independent record. That's valuable and it delivers results from day one. But policies aren't people. One person can have three policies. A household can have six. A family with teenage drivers, a buy-to-let, and a motorcycle represents a web of connected risk that policy-level analysis can't see.
Policy Intelligence
- Policy-level enrichment
- Alert (renewal shopping detection)
- Per-policy signals
- Retention team actions
Customer Intelligence
- Everything in PI, plus:
- Single Customer View (SCV)
- Household and family groups
- Cross-policy connections
- Marketing Intelligence
- Prospect Intelligence
- Full entity resolution
Different roles, same blind spot
Every role in an insurance business needs current intelligence on the in-force book. Policy Intelligence serves all of them - but the use case differs by role.
Head of Retention
The PainBy the time a customer cancels, the window has closed. There's no early warning system. You find out they're leaving when they leave, not when they start looking.
What ChangesAlert monitors your book against the live quote stream. When a customer shops, you know - in real time, weeks before renewal. Your retention team gets actionable intelligence while there's still time to act.
"Know when your customers are shopping - before they leave, not after."
Head of Pricing
The PainRenewal pricing is based on inception data plus claims experience. That's a limited view. The customer's current risk profile, their market behaviour, and the competitive landscape have all changed - but your renewal model doesn't reflect any of it.
What ChangesPolicy-level enrichment keeps your intelligence current. Shopping intensity signals reveal which customers need competitive offers and which are stable. Renewal pricing informed by current market context, not 11-month-old data.
"Price renewals on what's happening now - not what happened at inception."
Head of Underwriting
The PainA customer who declared NCD 3 years at inception and is now declaring NCD 5 years on competitor quotes has a discrepancy you can't see from your policy data alone. Declarations change. Your policy record doesn't.
What ChangesAlert shows what your customers are declaring elsewhere - and whether it matches what's on your book. Declaration discrepancies surface before renewal, giving your underwriting team evidence to act on.
"See what your customers are declaring to competitors - before you renew them."
Policy Intelligence works with
Quote Intelligence
PI consumes QI's quote feed to power Alert. QI at point-of-quote, PI through the lifecycle.
Learn more
Customer Intelligence
The upgrade path. Same data feed. Entity resolution turns policies into people. SCV, households, and full marketing intelligence.
Learn more
Inform Manager
Author the rules that determine how you respond to PI signals - pricing adjustments, retention triggers, underwriting flags. No IT dependency.
Learn moreSee what your customers are doing
before they tell you they're leaving
Start with an Evaluate. We'll build your Single Customer View, map your book against the Quote Lake, and show you how many of your renewals are already shopping - and how many weeks of warning you could have had. 8 to 12 weeks. No long-term commitment. The intelligence is yours to keep.
