Expose risk and intent before you price
Traditional quote checks tell you what a customer is submitting, but not why or how. Hidden risks, manipulation, and low-intent behaviour can distort pricing outcomes, inflate loss ratios, and erode profitability if left undetected.
Percayso Quote Intelligence goes beyond basic validation to analyse quotation behaviour deeply, exposing hidden risk and intent so you can price more accurately, detect manipulation early, and make smarter decisions at the point of quote.
“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.”
Why Quote Intelligence matters
Insurance decisions start at quote and the signals at that stage matter. Single data feeds and point-in-time checks often miss:
Hidden risk patterns
Complex interactions across multiple sources that indicate elevated risk.
Manipulation and noise
Intentional or automated behaviours that distort the quote pool.
Low-quality or low-intent traffic
Quotes that never translate into policies, skewing metrics and pricing models.
Incomplete picture of the customer
Disconnected data that fails to contextualise true risk before pricing.
Quote Intelligence helps you see beyond simple values to behavioural signal that shapes pricing, underwriting, and retention.
How it works
Percayso Quote Intelligence analyses enriched quote data from multiple sources and applies layered intelligence to generate actionable insight. This includes:
Matching and pattern detection
Real-time fuzzy and exact matching flags inconsistencies and anomalies across matched historical quotation activity.
Behavioural scoring and flags
Assess the intent, severity, and impact of suspicious behaviours that can indicate manipulation or fraud.
Automated decision support
Custom rule sets and scoring algorithms generate Red, Amber, Green outcomes that feed directly into decisioning workflows.
Integrated orchestration
Seamless interaction with the Percayso Quote Lake and Inform Manager means insight can be operationalised with minimal engineering overhead.
Key benefits
Price with confidence
Uncover risks and signals that static checks miss, helping to improve pricing accuracy and loss ratio performance.
Detect manipulation early
Identify quote manipulation and automated behaviour before it impacts underwriting and pricing.
Improve conversion quality
Reduce the influence of low-intent and non-genuine traffic to strengthen funnel metrics and reduce noise.
Operationalise behavioural insight
Turn advanced pattern detection into real-time triggers and flags that support pricing and underwriting decisions.
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.
Designed for real insurance decisions
Quote Intelligence helps pricing, underwriting, and fraud teams move from reactive checks to proactive insight, detecting manipulation, interpreting intent, and improving quoting performance across channels and products.
