Everyone enriches at point of quote.
The question is what might you be missing
You call bureau. You check CUE and SIRA. You validate the vehicle. So does everyone else. The same data, the same sources, the same single-pass enrichment - one quote at a time, one set of keys, one pass through the data.
You get back what the applicant's supplied keys can find. Nothing more.
What if there were keys you didn't know existed? What if every enrichment source returned more - not because the data changed, but because the sources started talking to each other?
You fight for your book in two places
Winning New Business
Point-of-quote. Competitive, fast, expensive. Aggregator acquisition costs are high. Everyone is enriching, pricing, competing for the same quote.
The arms race here is real - but most insurers are running it with single-pass enrichment that treats every data source as independent. One bureau call. One CUE check. One set of keys. The result is a pricing model that's only as good as the keys the applicant supplied - and no better.
The question isn't whether you enrich. It's whether your enrichment is working as hard as it could be.
Mispricing & Blind SpotsKeeping What You've Won
The lifecycle. Renewals, retention, repricing, cross-sell, divestment. This is where the majority of your book's value sits.
But renewal offers inherit intelligence that's 11 months stale. Policy admin systems manage transactions but don't generate intelligence. Most insurers lose around 40% of their renewal offers without really understanding why.
Your existing customer database was expensive to acquire. It's your biggest asset - and it's doing almost nothing beyond administration.
Retention & RenewalsThe enrichment you already pay for
could be returning more
When you enrich a quote through the Percayso Intelligence Hub, something different happens. Your data sources don't just run in parallel - they feed into each other. Each source makes every other source work harder.
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1
Quote Intelligence searches the Quote Lake
25 million unique quotes per month across motor, home, van, bike, and travel. For the person quoting with you right now, we find their full quote history across the UK market. That history contains keys the applicant never supplied - previous names, addresses, email addresses, driving licences, phone numbers, vehicles.
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2
Discovered keys feed Bureau Intelligence
Those newly discovered keys drive bureau searches that return credit data, address links, and alias names that would never have surfaced from the original application keys alone. Dual bureau delivers 7x more predictive power than a single source. Triple bureau delivers 8x.
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3
Bureau data feeds back into Quote Intelligence
The bureau results return more addresses and aliases - which feed back into Quote Intelligence for another pass. More discoveries. More keys. More searches across CUE, SIRA, and your other enrichment sources. This isn't sequential processing - it's iterative orchestration.
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4
You get back more from the same data
The same CUE check, the same bureau search, the same Data Intelligence sources return more intelligence when orchestrated through the Intelligence Hub - because you're searching with keys you didn't know existed. It's not that we have different data. It's that our platform makes the shared data work harder.
matches
from dual bureau
attributes per quote
13x confirmed on live production data (11.8 million matches vs 860,000 from the same base population). Dual bureau predictive power confirmed in modelling.
Different roles, same objective:
a bigger, better quality, more profitable book
Every role in an insurance business is playing the same game. Head of Pricing, Head of Underwriting, Head of Fraud, Head of Retention - different languages, same objective. Here's how the Intelligence Hub serves each.
Head of Pricing
The PainEveryone enriches the same way - public bureau, CUE, SIRA. Hard to differentiate on price without taking on more risk. Your pricing model is based on incomplete intelligence, and the fields that drive your premium aren't validated at point of quote.
What ChangesQuote Intelligence identifies the clean majority of your quotes - the risks you can discount with confidence. Multi-bureau orchestration adds predictive depth. PIM gives your team real-time control of pricing rules - no IT dependency, no lead time.
"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. You're making accept/decline decisions with an incomplete picture.
What ChangesQuote Intelligence discovers keys and manipulation patterns. Bureau Intelligence 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 is expensive. Limited to one quote at a time. Can't see cross-market manipulation patterns. Single bureau misses aliases and connected identities.
What ChangesQuote Intelligence detects manipulation across the quote stream in real time - 400+ behavioural attributes, cross-market visibility. RAG scoring classifies every quote. Multi-bureau discovers aliases and address links that single-source searches miss.
"Detect manipulation before policy inception - not after the claim."
Head of Retention
The PainBy the time a customer cancels, the window has closed. Renewal intelligence is 11 months stale. There's no early warning system - you find out a customer is shopping when they leave, not when they start looking.
What ChangesAlert monitors the quote stream for your in-force customers. When one of your policyholders quotes elsewhere, 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."
Your rules. Your thresholds. Your strategy.
Deployed in real time.
Most enrichment platforms give you data back and leave you to interpret it. With Percayso Inform Manager (PIM), you author the rules. You set the thresholds. You deploy changes in real time - no waiting for third-party development cycles.
What PIM Does
PIM is a low/no-code decision engine that sits on top of your enrichment. It transforms raw data into decisions - accept, decline, refer, price-adjust - based on logic your team creates and controls.
- Real-time rule authoring via PIM Studio (web portal)
- Champion/challenger testing on live quotes
- ML model and Python module integration
- Per-line-of-business rule sets
- Version control with instant rollback
- Private single-tenant instance - your rules stay private
Why This Matters
With most providers, strategy changes require hard-coded changes by a third party. Slow, expensive, inflexible.
With PIM, your pricing team can deploy a new rule at 9am and measure its impact by lunchtime. No IT queue. No release cycle. No waiting.
This is where the growing demand is. Insurers are increasingly asking for PIM because it puts them in control of intelligence they've never been able to manage before.
"Using the Percayso Inform Manager digital platform enhances our technical capability to create and deploy our own rules and models in real-time. This ultimately means we can offer data-driven decisions at point of quote with speed and precision and allows us to test and update our data and pricing strategies at any time."
One platform. Every intelligence layer.
The Intelligence Hub integrates all of these into a single gateway connection. Each product works independently, but they work harder together - because each one feeds intelligence into the others.
Quote Intelligence
Cross-market quote behaviour. Detect manipulation. See what was declared elsewhere.
Learn more
Data Intelligence
Standard enrichment aggregated from multiple providers through a single integration.
Learn more
Bureau Intelligence
Multi-bureau credit searches. Dual bureau delivers 7x predictive power vs single source.
Learn more
Inform Manager
Your rules engine. Author, test, and deploy pricing logic - no IT dependency.
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Trusted by insurers across the UK
See the difference on your own book
One gateway connection. Run your data against 25 million unique quotes per month. See what your current enrichment is missing - and how much more it could return when your data sources start talking to each other. 8 to 12 weeks. No long-term commitment. Every insurer who's done one has been surprised by what they found.
