What if every intelligence product
you use could talk to every other?
You enrich quotes with bureau data. You check vehicle history. You validate identity. You monitor shopping behaviour. But each product works in its own silo - returning its own results, using its own keys, seeing its own slice of the risk. None of them benefits from what the others discovered.
Symphony changes that. It connects every Percayso Inform intelligence product into a single orchestrated platform - where each product feeds into the others, discovered keys compound across sources, and 6+ years of cross-line data create a picture no single product could build alone.
The Fragmentation Problem
Insurance data is fragmented by design. Separate systems for motor and home. Separate enrichment for bureau and vehicle. Separate time windows for quote behaviour and policy history. Each source sees part of the picture. None sees all of it.
Quote Intelligence sees 30 days of shopping behaviour on a single line of business. Bureau Intelligence searches against the keys you supplied. Policy Intelligence tracks your own policy events. Each is valuable in isolation. But the connections between them - the patterns that span products, lines, and years - remain invisible.
A household policyholder starts shopping for motor. Your home renewal team doesn't know. A customer's credit profile changes. Your pricing model doesn't see it until the next annual review. The fragmentation isn't a technology problem. It's a structural one.
What Symphony Delivers
Symphony is the orchestration layer that connects every PIL intelligence product into a single, coherent decision-support system. One API call triggers a configurable enrichment pipeline:
- Customer Intelligence resolves identity first
- Bureau, Quote, Vehicle, and Policy Intelligence enrich in parallel
- Marketing Intelligence provides competitive context
- Discovered keys from each product feed back into the others
- 6+ years of cross-line quote history per person (not just 30 days)
- Motor, Home, Commercial, Pet, and Travel - all linked per identity
The result is a composed, sequenced payload that no combination of individual products could produce independently.
Symphony is limited to 6 clients. The data advantage depends on exclusivity.
Every intelligence product. One orchestrated platform.
Symphony clients don't purchase individual products. They receive a continuously enriched, cross-product intelligence stream through a single API connection. Every product upgrade, new data source, and capability expansion is delivered through the existing connection.
across combined products
fraudulent applications
renewal retention
quote history per person
Products Integrated
Quote Intelligence - Full quote history across all lines, 6+ years deep. Not the 30-day window of standalone QI, but the complete shopping biography of every person in your book.
Bureau Intelligence - Multi-bureau credit data with keys discovered from the quote stream feeding back into bureau searches, and bureau-discovered keys feeding forward into quote searches.
Customer Intelligence - Identity resolution runs first, establishing the clean SCV that every subsequent product matches against.
Vehicle Intelligence - Full vehicle history, specifications, and valuations for every motor event.
The Orchestration Difference
Policy Intelligence - Policy event history appended to every customer profile, linking lifecycle events to behavioural signals.
Marketing Intelligence - Competitive rate benchmarking provides context for every pricing decision.
Alert - Real-time notifications when policyholders begin shopping, powered by the full Symphony dataset rather than a single product's view.
Each product is activated in dependency order. Customer Intelligence establishes identity first. Bureau, Quote, Vehicle, and Policy enrich in parallel. Marketing Intelligence provides the competitive context layer. PIM rules execute against the combined result. One call. One response. Complete intelligence.
The patterns that only appear when you see across lines
Symphony dissolves the boundaries between lines of business, time windows, and data sources - revealing patterns that siloed products can never detect.
Cross-Line Visibility
A household policyholder starts shopping for motor insurance. With standalone products, your home retention team doesn't know. With Symphony, the shopping signal triggers immediately across all lines.
A customer who holds motor and home with you declares different addresses to different insurers for different lines. Standalone enrichment validates each independently. Symphony sees the contradiction across the full identity.
Cross-line visibility turns fragmented signals into connected intelligence. A change in one line becomes a signal in every line - because the same person is behind all of them.
Deep History
Standard Quote Intelligence covers a 30-day rolling window on a single line. Symphony extends that to 6+ years across all lines of business - motor, home, commercial, pet, and travel.
This depth transforms what's possible. NCD validation goes from checking recent quotes to tracing five years of continuous history. Manipulation detection moves from pattern matching within a window to identifying systematic behaviour over years. Retention signals draw on the full shopping biography, not just recent activity.
The data advantage compounds with time. Every month that passes adds another month of history that competitors without Symphony cannot access.
From trigger event to orchestrated intelligence
Every event - quote, policy inception, renewal, mid-term adjustment - triggers a configurable enrichment pipeline that activates products in dependency order and returns a composed response.
- 1 Trigger event received at Intelligence Hub (quote, policy, renewal, MTA)
- 2 Customer Intelligence: identity resolution and SCV matching
- 3 Bureau Intelligence: multi-bureau credit and identity enrichment
- 4 Quote Intelligence: 6+ years of cross-line quote history retrieved
- 5 Vehicle Intelligence: full vehicle record for motor events
- 6 Policy Intelligence: lifecycle events and renewal signals appended
- 7 Marketing Intelligence: competitive rate benchmarking added
- 8 PIM rules execute, composed response returned to your system
Discovered keys compound across the pipeline. A name variant found by Bureau Intelligence triggers additional Quote Intelligence matches. A vehicle change detected by VI feeds into fraud scoring. Each product makes every other product work harder - and that compounding effect is what produces the 8-15% Gini uplift.
"Symphony gave us something we couldn't build internally - a single view across every data source, every line of business, and every time period. The cross-line signals alone have transformed how we think about retention and pricing. It's not just more data. It's connected data."
How Symphony works for your business
Symphony replaces a fixed set of individual integrations with one intelligent pipeline that evolves with your book. Connect once. Every product, every upgrade, every new data source - delivered through the same connection.
For Insurers
Eliminate the overhead of managing separate enrichment connections. A single API call returns a composed, sequenced payload - reducing integration cost, improving reliability, and freeing your data team to focus on how signals are used, not how they are delivered.
Solutions for InsurersFor Brokers
Route and compose data products on a per-request basis across multiple systems and client portfolios. Each integration point sees exactly the signals it needs, without the complexity of managing individual product connections across different environments.
Solutions for BrokersFor MGAs
Align enrichment logic with underwriting appetite per scheme. Data products are sequenced to match the risk profile of each line - delivering the right signals at the right point in the quote or bind workflow without bespoke integration for each product.
Solutions for MGAsFor Comparison Sites
Low-latency orchestration for high quote volumes. Rather than calling multiple enrichment endpoints or managing fan-out logic internally, Symphony handles the sequencing and returns a single composed response within the quote journey latency window.
Solutions for Comparison SitesSymphony orchestrates
Quote Intelligence
6+ years of cross-line quote history per person. The full shopping biography, not just a 30-day window.
Learn more
Bureau Intelligence
Multi-bureau credit data with discovered keys compounding across the entire Symphony pipeline.
Learn more
Customer Intelligence
Identity resolution runs first. Every subsequent product in the pipeline matches against the resolved SCV.
Learn moreSymphony is limited to 6 clients. Is your book one of them?
Start with an Evaluate. We'll show you what the full intelligence stack reveals about your book - the cross-line patterns, the compounding signals, and the pricing uplift that individual products alone can't deliver. Then we'll discuss whether a Symphony partnership makes sense.
