Market-wide behavioural intelligence at the point of quote
Quote Intelligence does more than expose manipulation. It searches the Percayso Quote Lake for up to 30 days of market-wide quotation history across five lines of business: private car, commercial vehicle, household, motorcycle, and taxi.
By interrogating this live market activity, Quote Intelligence uncovers behavioural patterns and identifiers that applicants have not supplied, turning a single quote into a far richer intelligence profile.
“We’re delighted to integrate Percayso into our data ecosystem as their Quote Intelligence platform adds a further tool to our arsenal in combatting the increasingly concerning issue of quote manipulation.”
What Quote Intelligence really does
When a quote is submitted, Quote Intelligence searches recent quotation history across the market to identify linked activity, undisclosed changes, and hidden behavioural signals.
It doesn’t just analyse the data provided in the current quote. It discovers additional keys and identifiers from historic market activity, including previous names, addresses, email addresses, driving licence numbers, vehicles, and other linked entities.
These discovered keys dramatically expand the intelligence footprint available for decisioning.
The orchestration effect
The real power of Quote Intelligence is not just detection, it is orchestration.
Every newly discovered key is fed into Bureau Intelligence and other enrichment services. That means each quote does not rely on a single search path, but multiple reinforced pathways that return more complete, more accurate results.
This orchestration produces up to 13x more matches than single-pass systems, significantly increasing behavioural visibility and risk differentiation at the point of quote.
Beyond manipulation detection
While Quote Intelligence identifies quote manipulation, repetition, and intent, its value goes far beyond gaming detection.
It provides:
Market-wide behavioural context
Cross-line-of-business visibility
Undisclosed identity discovery
Enhanced bureau hit rates
Stronger downstream enrichment
The result is sharper pricing, better fraud prevention, and more confident underwriting decisions before the policy is ever written.
Built for scale and speed
Quote Intelligence operates at industry-required volume and latency, enabling real-time orchestration across large quote flows without disrupting customer journeys.
It works seamlessly within the Percayso Inform Intelligence Hub and integrates directly with Bureau Intelligence, Policy Intelligence, and Inform Manager strategies.
From single quote to full behavioural profile
Stop treating quotes as isolated data points.
Use market-wide intelligence to uncover hidden signals, discover undisclosed keys, and orchestrate deeper enrichment at scale.
Quote Intelligence tools
Each tool delivers distinct behavioural insight to support your strategy:
data dictionary
A centralised reference that ensures consistent interpretation and governance of all quote data elements.
manipulate
Detects discrepancies and patterns associated with quote manipulation across matched histories.
discover
Extracts additional search keys and subjects to improve matching and behavioural context.
pulse
Analyses timing and repetition within matched quotations to reveal behavioural rhythms that influence risk.
hearbeat
Flags nonsensical or junk quotes that obscure true signals and create noise in your datasets.
rate raider
Identifies automated competitor behaviour that can distort pricing intelligence.
alert
Signals when a customer is actively shopping competitors, providing timely insight to support retention.
prefill
Retrieves the quote that led to a policy from the proprietary Quote Lake, enhancing continuity and context.
