What if you could see who's about to leave
weeks before they do?
By the time a renewal notice lands, your customer has already quoted elsewhere. Often multiple times. The decision to leave has already been made. Your renewal offer is arriving too late to change the outcome.
What if you could see the shopping behaviour before the renewal conversation even starts?
The renewal blind spot
Most retention strategies start at renewal. 30 days out, maybe 60. But quote behaviour data shows that customers begin shopping 30 to 60 days before their renewal date. Some start even earlier.
Competitors compared
By the time your retention team engages, the customer has already compared your price against 5 to 10 competitors. They know exactly where you sit in the market.
They might have found cheaper alternatives, often by adjusting declarations between quotes. The shopping is done. Your renewal offer is just confirmation of a decision already made.
Days of early shopping
Customers begin shopping 30 to 60 days before renewal. Your retention activity might not start until 30 days out. That's weeks of shopping behaviour you never see.
In that window, they've already found alternatives, made emotional decisions to switch, and in many cases accepted a new quote before you even send the renewal notice.
Market signals in your data
Traditional retention relies on historic claims data (backwards-looking), internal policy data (your view only), broad segmentation (not individual behaviour), and reactive pricing.
None of this tells you what the customer is actually doing in the market right now. You're making retention decisions with zero visibility into shopping behaviour.
The question is not whether your customers are shopping before renewal. It's whether you can see it happening in time to do something about it.
See shopping behaviour before renewal
Early warning signals
Know which policyholders are actively shopping 30 to 50 days before renewal. Not guessing based on segments or propensity models. Actual observed behaviour in the quote market.
The Percayso Quote Lake captures 25 million+ unique quotes per month across all major UK aggregators and direct channels. When your policyholder starts shopping, we can see it.
Competitive positioning
See what prices your competitors are offering your customers. Not market averages or rate indices. The actual quotes your policyholders are receiving from specific competitors.
When you know exactly where your renewal price sits against the alternatives, you can make informed decisions about when to compete and when to let go.
Declaration monitoring
Detect when customers change their declarations between your policy and new quotes. Occupation, mileage, voluntary excess, claims history. The fields that move the price.
Some changes are legitimate life updates. Others are systematic adjustments to find the cheapest combination. The pattern tells you which is which.
Risk of lapse scoring
Prioritise retention activity on customers most likely to leave. Not every shopping customer will lapse, and not every lapse is worth preventing.
Score your renewal book by observed shopping intensity, competitive gap, and declaration consistency to focus your retention budget where it will have the most impact.
Proactive engagement
Trigger retention workflows before the customer contacts you. When Alert detects shopping activity, your retention team can engage with a competitive, informed counter-offer weeks before the standard renewal notice.
The conversation changes entirely when you reach out first with a price that reflects what the market is actually offering.
The products that power retention
Each retention gap has a specific answer. Not a generic platform, but specific intelligence that closes a specific gap in your renewal strategy.
Quote Intelligence
See your policyholders' shopping behaviour across the entire UK quote market. Know who is shopping, where they're quoting, what they're declaring, and how their quotes compare to your renewal price.
Match every policyholder approaching renewal against their full quote history. The complete picture of their market activity, visible weeks before you'd normally engage.
Learn more about Quote IntelligencePolicy Intelligence
Enrich your renewal book with external data to validate risk and price accurately. When your renewal pricing reflects the full picture, not just your internal view, you retain more of the right customers.
Customers leave when they feel overpriced. Policy Intelligence helps you price renewals competitively for good risks while identifying the ones you might not want to fight for.
Learn more about Policy IntelligenceAlert
Real-time notifications when policyholders begin shopping before renewal. Alert monitors your policy book continuously against the Quote Lake and triggers a notification the moment shopping activity is detected.
Without Alert, you learn a customer has left when the policy lapses. With Alert, your retention team receives early warning, days after shopping begins, weeks before renewal.
Learn more about AlertCustomer Intelligence
Build a single household view to understand connected policies and cross-sell opportunities. A customer with motor, home, and van across multiple providers is more valuable than any single policy suggests.
When you see the full household, retention becomes about protecting the relationship, not just the individual policy. Cross-sell opportunities become visible. Lifetime value becomes measurable.
Learn more about Customer IntelligenceThe dataset behind the intelligence
per month
before renewal
quote history
shopping behaviour
The Percayso Quote Lake captures every quote event across all major UK aggregators. When a policyholder starts shopping, the activity is visible in the data, often weeks before their renewal date.
Traditional retention tools see policies and claims. They can tell you what happened after a customer left. They can't tell you what the customer was doing in the market before the renewal conversation started.
We can.
Every organisation that manages renewals faces this blind spot
Insurers
Protect profitable customers, reduce lapse rates, and price renewals competitively. When you can see which policyholders are actively shopping and what prices they're being offered, retention stops being reactive and starts being strategic.
The customers you most want to keep are the ones competitors are most actively targeting. Visibility into that activity changes how you approach every renewal.
Solutions for InsurersMGAs
Retain delegated authority books with data-driven renewal strategies. Scheme performance depends on keeping the right risks, and losing the right ones. Without visibility into shopping behaviour, you might not know which is which until the loss ratio tells you.
An external view of who's shopping and what they're being offered gives you the intelligence to manage renewals proactively across your book.
Solutions for MGAsBrokers
Advise clients proactively, demonstrate value, and retain fee income. When you can see that a client is shopping before they tell you, you can reach out with competitive options and advice before they make a decision without you.
The broker who calls first with a better option is the one who keeps the client. The one who waits for the cancellation notice has already lost.
Solutions for BrokersComparison Sites
Understand re-quote patterns and optimise return visit conversion. When you know which customers are coming back to re-quote, and what changed between visits, you can tailor the experience to convert rather than just display.
Shopping behaviour data reveals the patterns behind return visits, giving you the context to turn browsers into buyers.
Solutions for Comparison SitesYour best customers are shopping right now.
Do you know which ones?
An Evaluate will show you exactly what shopping activity is happening in your renewal book, and how much revenue is at risk. No commitment. Just clarity.
