What if the data you're pricing on
has gaps you can't see?
Every insurer enriches. But traditional enrichment works from a single snapshot. One quote, one moment, one set of declared values. It cannot tell you what the customer declared last week, last month, or to your competitor yesterday.
The gaps between what you know and what's actually happening are flowing straight into your loss ratio.
The enrichment gap
Self-declared fields are unvalidated
Customers declare occupation, mileage, vehicle modifications, and claims history. Most of these fields are never independently verified. What if the values flowing into your pricing model have never been checked against anything?
Traditional enrichment is point-in-time
A single credit check or address verification captures one moment. It doesn't show patterns, changes, or contradictions over time. What might you be missing between the snapshots?
No cross-quote visibility
Standard enrichment providers see the same data you do. One quote at a time. They cannot see what the same person declared on a different platform, to a different insurer, five minutes ago. What if the inconsistencies are hiding in the gaps between quotes?
NCD is taken on trust
No Claims Discount is one of the most significant pricing factors, yet it is largely self-declared and rarely validated against actual quote and policy history. What if the NCD your model relies on doesn't match what was declared elsewhere?
Enrichment fragmentation
Data comes from multiple suppliers (credit bureaux, vehicle data, address verification) in different formats, at different times, with no unified view. What if the gaps between your data sources are wider than you think?
One integration, complete enrichment
The Intelligence Hub is a single API connection that orchestrates calls to multiple data sources. Each product can be deployed independently or combined. The Hub handles orchestration, de-duplication, and delivery. Your integration stays the same regardless of how many data sources you consume.
Quote Intelligence
Quote behaviour across our clients' quotes, and manipulation detection. See what the same person declared to different insurers, on different platforms, across the full shopping journey.
Learn more about Quote IntelligenceData Intelligence
Standard enrichment: address, identity, demographics, and property. The foundational data layer that validates declarations and fills gaps in customer-supplied information.
Learn more about Data IntelligenceBureau Intelligence
Credit data through a single call, with TransUnion as our primary, integrated bureau partner (Experian also), and no need to manage separate integrations.
Learn more about Bureau IntelligenceVehicle Intelligence
Full vehicle history, valuation, MOT, and DVLA data. Everything you need to validate what was declared about the vehicle and understand its true risk profile.
Learn more about Vehicle IntelligenceBeyond traditional enrichment
Traditional Enrichment
- One data source at a time
- Point-in-time snapshot
- No cross-quote visibility
- Reactive: checks what was declared
- Fragmented supplier management
Percayso Enrichment
- Multiple sources through one connection
- Continuous monitoring over time
- Visibility across quotes contributed by our clients
- Proactive: detects what wasn't declared
- Single supplier, unified response
The Quote Lake is the differentiator. This turns enrichment from validation into intelligence.
The dataset behind the enrichment
quote history
all sources
The Percayso Quote Lake holds quotes contributed by Percayso's clients, and it is continuously growing.
Traditional enrichment providers see policies and claims. They see what happened after you made a decision. They can't see what was declared at quote time, because they don't see the quotes.
We do.
Who needs better enrichment?
Insurers
Close pricing gaps, validate declarations, and reduce adverse selection from incomplete data. What if your enrichment could see across our clients' quotes, not just within your own quote?
Solutions for InsurersMGAs
Access enterprise-grade enrichment through a single lightweight integration. No need to manage multiple data suppliers or build your own orchestration layer.
Solutions for MGAsBrokers
Understand your client risk better than ever with enriched intelligence behind every placement. What if you could see what your insurer partners see, before they see it?
Solutions for BrokersComparison Sites
Validate quote data quality and detect manipulation across your panel. Protect your insurer relationships by ensuring the data flowing through your platform is consistent and reliable.
Solutions for Comparison SitesHow many of your pricing fields
are actually validated?
An Evaluate will show you where your enrichment has gaps, and what's hiding in the data you're not seeing. No commitment. Just clarity.
