Turn policies into insight that drives better insurance outcomes
Once a policy is in force, the story shouldn’t end, it should begin. Traditional policy data often sits dormant, delivering limited value beyond basic administration. But the patterns hidden in policy behaviour can reveal pricing gaps, manipulation, risk drift, and opportunities to improve performance.
Percayso Policy Intelligence transforms policy data into actionable intelligence that supports smarter pricing, stronger underwriting, and healthier portfolio performance. It helps insurers see what’s really happening across Daily Inceptions and whole books of business and act with confidence.
Why Policy Intelligence matters
Policies aren’t just records, they are signals.
When analysed intelligently, they reveal:
Risk accuracy and drift
Understand where pricing and risk assessments have diverged from real outcomes.
Quote manipulation and misrepresentation
Identify behaviours at quote and policy stages that distort risk and threaten loss ratios.
Portfolio performance trends
Spot emerging issues across cohorts, segments, or channels before they become financial problems.
Corrective insight
Equip teams with data-driven insight to refine pricing logic, underwriting rules, and risk appetite.
“Percayso enables us to tackle fraud directly from the source, and price accordingly and competitively.”
How it works
Policy Intelligence applies structured analysis to enriched policy and behavioural data to generate insight that is:
Consistent
Harmonised and standardised across sources and portfolios.
Explainable
Outputs are designed to support governance, audit, and regulatory review.
Actionable
Delivered in a form that teams can act on, not buried in raw tables.
Scalable
Built to handle whole books of business with the same reliability as daily inceptions.
Key benefits
Improve risk accuracy
Go beyond initial pricing to assess how risk actually materialises over time.
Detect manipulation and misrepresentation
Uncover atypical patterns that can distort pricing and underwriting integrity.
Strengthen underwriting discipline
Use policy outcomes to refine rules, appetite, and acceptance criteria.
Drive portfolio performance
Monitoring trends across policies supports early intervention and strategy refinement.
What Policy Intelligence delivers
Daily Inceptions analysis
Understand how newly incepted business performs and where early risk indicators appear.
Whole-Book analysis
See performance, drift, and patterns across entire portfolios, channels, and cohorts.
Derived indicators
Custom variables and flags that help you segment and act on risk with precision.
Explainable outputs
Consistent, traceable intelligence that supports governance, audit, and decision review.
Designed for real insurance decisions
Policy Intelligence serves pricing, underwriting, risk, and business intelligence teams who want to systematically improve outcomes, reduce error, and protect loss ratios. This isn’t retrospective reporting, it’s insight that changes decisions.
alert
Identifies policies or behaviours that fall outside expected norms, highlighting potential manipulation, misrepresentation, or elevated risk. Alert enables insurers to prioritise investigation and take timely corrective action.
compress
Condenses large volumes of policy-level data into clear, meaningful indicators and summaries. Compress enables efficient portfolio-level analysis, helping insurers quickly identify trends, outliers, and areas of concern.
