Write better business. Write more of it.
Symphony is Percayso’s most powerful way to use insurance intelligence.
It goes beyond individual data points and standalone services by synchronising multiple sources of enrichment and analytics into a single, orchestrated strategy.
The result is deeper insight, stronger risk differentiation, and the ability to price and win the most profitable business with confidence.
What Symphony is
Symphony is an advanced orchestration layer that maximises the value of Percayso’s intelligence services by ensuring they work together rather than in isolation.
Instead of treating each enrichment source independently, Symphony iterates searches exhaustively across bureau, quote, policy and other intelligence services to uncover all relevant data and expose it to pricing, underwriting and risk models.
This holistic approach reveals “hidden” risk signals and gives you more robust, explainable intelligence in every decision.
Why it matters
In a competitive insurance market, advantage comes from understanding risk better than anyone else.
Symphony drives that advantage by blending multiple intelligence streams into a coherent whole that improves loss differentiation and portfolio performance.
By exposing deeper insight at the point of quote and throughout a customer’s lifecycle, it helps you identify profitable opportunities and avoid mispriced or risky business.
Improve your loss ration
by 8-10%
How it works
Symphony synchronises execution across multiple Percayso services.
When a request is made, it conducts iterative searches across bureau sources and against the most comprehensive UK quotation database, harmonising enrichment calls and layering insights to create the richest possible data context.
It then uses controlled logic via Percayso Inform Manager to apply intelligence in ways that match your pricing strategies, rules and performance goals.
The market status quo
The market is made up of a number of insurers competing for a finite set of customers, across the same channels – ultimately it is a ‘nil-sum’ game.
In this very simplified market view – all insurers have an equal book size, comprised of Red (frauds), Amber (risky) and Green (profitable) customers.
Reds and Ambers
Reds represent booked frauds and Ambers have been priced too low for the true risk they represent, so they will lose an insurer money.
Better business
and more of it
with Greens
Greens are the majority of profitable customers, graded by lifetime customer value.
The opportunity
An insurer with the best data driven pricing model will be better able to differentiate Reds and Ambers at the point of quote and the biggest impact comes from identifying Greens and pricing them to win.
What customers achieve with Symphony
With Symphony, you transform how you operate.
At quote you can differentiate risk more sharply, identifying high-value customers earlier.
Across underwriting you can validate risk signals with deeper context.
On portfolio you can monitor performance and refine strategies based on outcomes rather than assumptions.
The net effect is more accurate pricing, greater portfolio strength, and a measurable improvement in the quality of business you write.
Built for clarity and control
Symphony works hand-in-hand with Inform Manager, giving you control over how data is combined, interpreted and applied.
Strategies can be configured, tested and refined in-house, ensuring intelligence is governed, explainable and aligned to your commercial objectives.
Increase your book size
by up to 50%
“Percayso’s quote intelligence platform adds a further tool to our arsenal in combating the increasingly concerning issue of quote manipulation.”
Percayso Intelligence Services and Symphony
Within Symphony, Quote Intelligence exposes behaviour and intent before pricing, while Policy Intelligence validates outcomes after bind, creating a continuous, intelligence-led decision loop across the insurance lifecycle.
quoteintelligence
Within Symphony, Quote Intelligence uncovers behavioural risk and intent that single quotes cannot reveal.
By analysing historical quotation behaviour and combining it with bureau and policy signals, Symphony exposes manipulation, repetition, and anomalous activity, allowing genuine customers to be distinguished from elevated risk and noise.
This ensures pricing decisions are informed by the fullest behavioural context before they are committed.
policyintelligence
Policy Intelligence within Symphony validates pricing and underwriting decisions against real-world outcomes.
By analysing post-bind behaviour, claims experience, and lifecycle performance at scale, Symphony feeds proven insight back into decision strategies.
This creates a continuous learning loop that corrects mis-pricing, strengthens portfolio performance, and ensures decisions improve over time rather than remaining static.
