What if your best customers are already
shopping elsewhere and nobody has told you?

Name: Renewal Intelligence
Brand: Percayso Inform

Retention is the most profitable activity in insurance. Acquiring a new customer costs 5-7x more than retaining an existing one, yet most retention strategies are reactive: a standard renewal notice sent to everyone regardless of risk.

Renewal Intelligence changes this. By matching your in-force book against the live quote stream, it reveals which customers are actively shopping, what prices they are seeing, and how aggressively they are comparing. Your retention team gets the intelligence to intervene before the decision is made.

What Renewal Intelligence Is

Renewal Intelligence analyses every policy approaching renewal through multiple lenses: quote-stream activity (are they shopping?), historical retention patterns (have they lapsed before?), competitive pricing signals (what are they being offered elsewhere?), and customer value metrics (what is this relationship worth?).

The result is a prioritised renewal book where every policy carries a retention risk score, a recommended action, and the intelligence to back it up.

Why It Matters

Without visibility into the quote stream, retention is a numbers game. You improve the average renewal offer and hope the results follow. But your highest-value customers may already be comparing prices on aggregator sites, and your standard renewal notice is not going to bring them back.

Renewal Intelligence makes retention surgical. Your team knows which customers are at risk, why they are at risk, and what intervention is most likely to succeed. The result: higher retention rates, lower acquisition costs, and a more stable, predictable book.

Early warning from the quote stream

Renewal Intelligence is built on the same quote ingestion pipeline that powers Quote Intelligence. When your customers start shopping, we see it, and we tell you before they convert away.

72%

of lapsed customers
detectable 60 days before lapse

higher lapse probability
for flagged customers

12%

improvement in
renewal retention

60 days

pre-renewal
monitoring window

Signal Coverage

Shopping detection window: Typically 60 days pre-renewal. Renewal Intelligence matches customer quote activity to in-force policies across all major aggregator panels with no gaps in market coverage.

Match rate: 72% of customers who ultimately lapse are detectable via RI signals in the 60 days prior to lapse. That is 72% of preventable losses where your team had time to act.

Price Context

The RI signal is not merely a "this customer is shopping" flag. It includes the full market context seen by the customer: the price distribution across the aggregator panel, where your renewal price sits in that distribution, and how many insurers are cheaper.

This enables pricing teams to make an informed intervention decision rather than a blanket price reduction. You know exactly what you are competing against.

From reactive renewals to proactive retention

Renewal Intelligence converts the quote stream into retained premium. Every customer flagged as shopping is a potential lapse that your pricing and retention teams can act on.

In-Force Customer Matching

Renewal Intelligence operates by matching your in-force policy population against the PIL quote stream in real time. As each new PCW quote event is processed, it is tested against your customer set: if a match is found (same identity, same risk segment, within renewal window), a Renewal Intelligence signal is generated and delivered.

Signals can be integrated directly into your renewal pricing engine and CRM workflows via the Intelligence Hub API, enabling zero-touch, signal-driven retention intervention at scale.

Retention Workflow Integration

When a customer's policy enters the renewal window and a shopping signal is detected, the RI alert can automatically trigger a retention pricing rule in your rating engine. No manual queue. No delay. The intervention happens at the speed of the market.

For teams that prefer human-in-the-loop, RI delivers prioritised daily lists ranked by customer value, lapse probability, and price gap to market. Your retention team focuses on the accounts where intervention will have the highest impact.

From in-force book to retention intelligence

Renewal Intelligence continuously monitors the quote stream for your customers, delivering actionable retention signals before they convert away.

1 Client uploads in-force policy list or streams via API
2 In-force policies flagged with renewal date and customer identity
3 60-day monitoring window opens for each approaching renewal
4 Quote stream monitored continuously for matching customer identities
5 Match identified: RI signal generated with full market price context
6 Market rank position and price gap to cheapest calculated
7 Shopping intensity assessed: first look, repeated shopper, intensive comparison
8 RI alert delivered via API or batch; PIM rules trigger retention pricing and CRM workflows

Renewal Intelligence turns a reactive renewal process into a proactive one. In the 60 days prior to renewal, the majority of customers who ultimately lapse will have generated at least one detectable quote event. RI surfaces these signals in time for your team to act.

"We knew customers were shopping before renewal. What we did not know was who, when, and at what price. Renewal Intelligence gave us all three, and our retention numbers improved within the first quarter."

Head of Retention, Leading UK Insurer

How Renewal Intelligence works for your business

Renewal Intelligence identifies policyholders at risk of lapsing before renewal by detecting early shopping signals in the quote stream, turning retention from reactive to proactive.

For Insurers

Rather than defending every renewal at equal cost, your team concentrates effort on customers who are genuinely at risk, identified by real market behaviour rather than internal propensity models. The result is higher retention rates, lower intervention cost, and a more stable book.

Solutions for Insurers

For Brokers

Protect revenue by identifying clients most likely to shop away at renewal. Rather than managing an entire renewal book reactively, your team focuses on the accounts signalling genuine intent to switch, allowing earlier, more personal contact at the moment it is most likely to succeed.

Solutions for Brokers

For MGAs

The leading indicator of lapse that allows underwriting and operations teams to prepare. When a significant proportion of the renewing book begins shopping simultaneously, often reflecting a market softening or competitor price move, RI surfaces the signal early enough to inform pricing and retention strategy.

Solutions for MGAs

For Comparison Sites

Understand the renewal behaviour of users across the market. Knowing when lapsed customers from your platform begin shopping again, and what they are shopping for, supports re-engagement timing, campaign targeting, and the commercial value attributed to different acquisition channels.

Solutions for Comparison Sites

How many of your customers are shopping right now?

Start with an Evaluate. We will show you how many of your in-force customers are actively shopping the market, what prices they are seeing, and what it would take to keep them.

What's In Your Book? Schedule a Conversation

What if your best customers are alreadyshopping elsewhere and nobody has told you?