A clearer view of risk at every quote

Enrich the data you already hold with vehicle and geo-contextual risk insights to support more informed pricing decisions. Delivered at point of quote through a single API, with no app or hardware required and designed to work with your existing pricing infrastructure.

The Challenge
Two customers can share similar details on a quote form yet present different levels of risk. Relying on declared information and broad vehicle categories can leave important differences hidden, resulting in premiums that are too low for higher-risk customers or uncompetitive for lower-risk customers.
48 hrs
To PoC results
<3 wks
API integration
What You Get

Enrich every quote with vehicle and location insights

Access real-time risk scores at point of quote through a single API. Choose either product or combine both, with the same integration and proof-of-value process.

Vehicle Risk Scores
Understand risk at individual vehicle and version level, using MOT and service history to reveal differences beyond broad vehicle categories.
Registration-level insights informed by MOT and service historyGranular make, model and trim-level risk differentiationTrained on data from more than 500,000 UK vehicles, including accident exposureA single score from 1–20, returned in real timeValidated across multiple markets with proprietary datasets
Key Outcomes
Sharper risk selectionReduce adverse selection
Geo-Contextual Postcode Rating
Build a richer understanding of location-based risk with postcode-level scores that combine road, traffic, accident and weather data.
Road type, traffic density and accident history by postcodeWeather patterns and seasonal exposure reflected in the scoreAdditional context beyond traditional claims-history tablesPowered by data partnerships others cannot accessDesigned to complement your existing geographic rating factors
Key Outcomes
Better geographic pricingFinds risk inside good postcodesNo new data collection
How It Works

See the value in your own data before you integrate

Test our scores against your existing portfolio with a free proof of concept. Assess how they distinguish risk and where they could strengthen pricing before committing to integration.

Step 01
Share a sample
Provide a sample of your existing portfolio data, with no integration or new data collection required.
Step 02
Receive your scores
We apply our vehicle and postcode models to your sample and return a ranked file within 48 hours.
Step 03
Explore the results
Compare claims frequency across score bands to see how the scores distinguish risk within your portfolio and identify potential pricing opportunities.
Step 04
Connect when you’re ready
Access scores at point of quote through a single API call. Integration typically takes less than three weeks, with minimal IT support.
Where It Helps

Turn richer risk insights into better pricing decisions

A clearer understanding of vehicle and location risk helps insurers refine pricing, improve loss ratios and explore new product opportunities.

Improve Loss RatioBuild a fuller picture of risk to support more accurate pricing and help improve loss ratios.Explore →Product InnovationUse additional risk insights to assess new customer segments and develop propositions with greater pricing confidence.Explore →

Discover what richer data could reveal

Explore the value of data enrichment on your own portfolio with a free proof of concept. Share a sample of your data and receive results within 48 hours, with no obligation to proceed.

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