Insurer Intelligence™
Every insurer’s price for the same risk.
Insurer Intelligence reverse-engineers the rate model behind each property insurer on the market. A risk is described once, and every carrier returns an annual premium, the rebuild sum insured it would set and the product it would sell, ranked cheapest to dearest. Underneath sits a field-sensitivity matrix: which inputs a carrier actually prices on, and which it ignores entirely. Fitted from a live sweep of 37,700 quotes across 8 carriers and reproduced offline to the cent.
Competitor rate benchmarking
Every property insurer on the market priced against one identical risk, with the fitted rate model behind each number.
An annual premium for the same risk at every carrier on the market, ranked cheapest to dearest, with the product each one would sell.
Cheapest, median and dearest for one identical risk, and the spread between them, so a quote can be placed against the market instead of against a gut feel.
Which inputs each carrier actually prices on and which it ignores entirely: the matrix that shows where a rate card is blind.
Only some carriers price the real address. The rest charge the same everywhere, which is where mispricing concentrates.
The rebuild sum insured each carrier would set for the same building, from its own area-based valuation rule.
Move one input and watch every carrier respond: the same two-storey house is 47% dearer at one carrier and 15% cheaper at another.
How Insurer Intelligence is built
- 1
Live rate sweep
Public rate calculators are swept across a designed grid of risks, thousands of quotes per carrier.
- 2
Fitted rate model
Each carrier’s premium is fitted back into a rate model that reproduces its own quotes to the cent, offline.
- 3
Compare and explain
One risk goes in and every carrier’s premium comes out, with the inputs each one priced and the ones it ignored.