What if every risk you bind
could prove its own quality
You won the delegated authority. You built the underwriting appetite. You found the capacity. Now every risk you bind is a statement about your judgement - and your capacity providers are watching the results.
The question is whether the data behind your binding decisions is complete enough to justify the confidence you're placing in them.
What if your enrichment sources talked to each other? What if every submission arrived with keys you didn't know existed - and every bind carried intelligence your capacity providers could trust?
You fight for your book in two places
Winning Delegated Authority
Capacity providers want evidence. They want to see that your underwriting appetite is sharp, your pricing is disciplined, and your enrichment goes deeper than the industry standard. Every MGA pitch is a promise about the quality of risk you'll bind.
But most MGAs are enriching the same way everyone else does - single-pass, one bureau source, one set of keys. That might not be enough to differentiate your underwriting story or demonstrate the precision that capacity providers increasingly demand.
The question isn't whether you enrich. It's whether your enrichment gives capacity providers a reason to choose you.
Mispricing & Blind SpotsKeeping Capacity Providers Confident
Winning delegated authority is one thing. Keeping it is another. Capacity providers review your book, your loss ratios, your claims experience. They want to see a portfolio that performs - not just at inception, but across the lifecycle.
Without mid-term intelligence, you might not see material changes in risk until they show up as claims. And by then, the conversation with your capacity provider has already shifted from renewal to remediation.
Your book is your reputation. The intelligence behind it determines whether capacity providers deepen the relationship or pull back.
Retention & RenewalsWhat if the data you already use
could tell you more than it does today
When you enrich a submission through the Percayso Intelligence Hub, something different happens. Your data sources don't just run in parallel - they feed into each other. Each source discovers keys that make every other source work harder. For an MGA, that means binding decisions built on intelligence that goes deeper than anything a single-pass enrichment can deliver.
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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 every submission to your MGA, we find the applicant's full quote history across the UK market. That history contains keys they 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 submission keys alone. For specialist lines where standard data is thin, this cross-source discovery is particularly valuable - it builds a picture of risk that single-pass enrichment simply cannot.
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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 that compounds with every cycle.
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4
You bind with a complete picture
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. Every bind carries richer intelligence. Every capacity provider review tells a stronger story.
matches
attributes per quote
from dual bureau
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 book your capacity providers want to back
Every role in an MGA is working toward the same outcome - a portfolio that performs, capacity providers who renew, and an underwriting story that stands up to scrutiny. Here's how the Intelligence Hub serves each.
Head of Underwriting
The PainSingle-pass enrichment leaves gaps in the picture. Keys the applicant didn't supply hide adverse history. You're making binding decisions within delegated authority, but the intelligence behind those decisions might not be as complete as you think.
What ChangesQuote Intelligence discovers keys and cross-market patterns. Bureau Intelligence orchestrates multi-bureau searches on those discovered keys. Every submission arrives with a richer, more complete picture - so every binding decision is built on evidence, not assumption.
"Bind with evidence your capacity providers can see - not assumptions they have to trust."
Portfolio Manager
The PainYou manage a book that capacity providers review quarterly. Loss ratios, claims frequency, mix of business - all under scrutiny. But between reviews, the portfolio is largely static. Material changes in policyholder circumstances go undetected until they become claims.
What ChangesPolicy Intelligence and Alert monitor your in-force book in real time. When a policyholder's circumstances change - or when they start shopping elsewhere - you know immediately. Proactive portfolio management replaces reactive claims surprises.
"See what's changing in your book before it shows up in your loss ratio."
Head of Claims
The PainMisrepresentation at inception creates claims that should never have existed. Ghost-broking, application anomalies, and undisclosed history all slip through when enrichment only uses the keys the applicant supplied. By the time a claim lands, the damage is done.
What ChangesQuote Intelligence detects manipulation patterns and misrepresentation at point of quote - before you bind. Cross-market visibility and 400+ behavioural attributes flag anomalies that single-pass enrichment misses. Fewer bad risks enter the book. Fewer claims surprise your capacity providers.
"Stop misrepresentation at the front door - not after the claim arrives."
Capacity Provider Relations
The PainCapacity provider conversations are only as strong as the data behind your book. When your enrichment looks the same as every other MGA's, differentiating your underwriting story is difficult. And when loss ratios move the wrong way, the conversation shifts from growth to remediation.
What ChangesThe Intelligence Hub gives you a provable enrichment advantage - discoverable keys, cross-source orchestration, real-time portfolio monitoring. Your capacity provider reviews become data-led conversations about quality, not defensive explanations about performance.
"Give capacity providers a reason to grow with you - data they can trust."
Your appetite. Your rules. Your deployment.
No waiting for anyone else.
Most enrichment platforms give you data back and leave you to interpret it. With Percayso Inform Manager (PIM), your underwriting team authors the rules, sets the thresholds, and deploys changes in real time - without waiting for third-party development cycles or IT queues.
What PIM Does
PIM is a low/no-code decision engine that sits on top of your enrichment. It transforms raw data into binding decisions - accept, decline, refer, price-adjust - based on logic your underwriting team creates and controls.
- Real-time rule authoring via PIM Studio (web portal)
- Champion/challenger testing on live submissions
- 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 for MGAs
With most providers, appetite changes require hard-coded updates by a third party. Slow, expensive, inflexible. When a capacity provider adjusts their appetite, you need to respond immediately - not in two weeks.
With PIM, your underwriting team can deploy a new rule at 9am and measure its impact by lunchtime. Tighten appetite on a class. Add a referral threshold. Test a new pricing factor. All without an IT queue or a release cycle.
For MGAs, this is where control becomes competitive advantage. You respond to capacity provider feedback in real time, not in the next development sprint.
"Percayso Inform has sharpened our underwriting decisioning and given our capacity providers the data confidence they need. The intelligence we get at point of quote has transformed the quality of our book."
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 underwriting logic - no IT dependency.
Learn more
Policy Intelligence
Real-time alerts when material changes in policyholder circumstances are detected mid-term.
Learn more
Evaluate
Test enrichment against your real submissions. Validate the uplift before you integrate.
Learn moreTrusted by MGAs across the UK
Prove the value before you scale it
Evaluate is the MGA's low-cost route into Percayso. Test enrichment against real submissions, validate the uplift on your underwriting, then integrate at scale. Try before you buy. 8 to 12 weeks. No long-term commitment. Every MGA who's run one has been surprised by what they found in their book.
