Every capability, in one place.

Build products around the risk without code.

• Sections, subsections and repeatable risks
• Drag ordering and complete question settings

A full set of question types for any insurance journey.

Validate input, set conditional defaults and link answers together.

• Derived answers for reusable journey logic

Rate cards, base rates, factors, covers and minimum premium.

• Coded rating engines for complex pricing
• Independent engine versioning

Automate declines and referrals with conditional logic.

Dated product versions, with historic products left intact.

Clone and adapt proven products and reusable templates.

Product documentation generated from the product definition.

Configure IPT per product.

A consumer storefront you control.

Every broker firm kept separate, with its own users and business.

Know exactly which partner business came from.

Quote inside someone else's journey through the API.

Configurable discount codes for campaigns and partners.

Show prices in the customer's currency.

Draft, pending, held, converted, expired, declined and blocked states.

Premium reacts immediately to every change.

Referred quotes go to underwriters, with agreed premium overrides.

Start on one device and finish on another.

• Email quote
• Reminders and chasers

Card, Direct Debit or manual settlement, monthly or annual.

Screen customers during the quote.

Flag answers that don't look consistent.

Look up addresses and vehicle data during the journey.

Accept customer files with virus scanning.

Quotes expire automatically after a configured period.

Customer, risk, versions, payments, documents, claims and complaints in one view.

Re-rate, calculate the premium difference and charge or refund.

• A new policy version at every change

A dated snapshot at every change.

Automated creation, rating, notices, collection and policy chaining.

• Previous and current premium disclosure
• Shop-around statement
• Minimum notice period
• Configurable compliance wording

Cancellation reason, calculated refund and ledger adjustment.

Reissue schedules, certificates and employer's liability certificates.

Quotes, policies, email history and customer details together.

Flag customers who need extra care.

Card payments via Stripe.

Direct Debit via GoCardless.

Record payments taken outside the platform.

Instalment plans with payment grace periods.

Refunds allocated back to the policy and ledger.

The accounting spine under every premium movement.

• Accounting period close
• Daily exchange rates

A record of every exchange with payment providers.

From first notice of loss to closure, with every state recorded.

Message customers from the claim.

Request documents from customers, chased daily.

Keep internal notes and material separate from customer-visible content.

Set and move reserves, feeding incurred and loss ratio.

Pay claims and record settlement against the ledger.

Track claim handling against service levels.

Summary resolution and final-response deadlines tracked automatically.

Record when the complaint was really received.

Record outcomes and any redress paid.

Complaints cannot close without a final response.

Staff are warned before deadlines pass.

Complaints stay linked to the policy they concern.

What is owed to whom, by period.

Incurred against earned premium.

Commission reporting by partner and broker.

Bordereau reporting for capacity providers.

Outstanding premium by age.

Export data for your own analysis.

Current trading at a glance.

If the platform doesn't know something historically, it says so.

Structured assessments with evidence and reasoning.

Define and record each product's target market.

Reviews are scheduled and chased automatically.

Every assessment kept, in order.

A product that fails its assessment is withdrawn from sale.

Every data subject request logged with status and deadline.

Verify requesters before anything is released.

Export a customer's data in a structured format via a secure link.

Erase data unless a legal reason to keep it applies.

Refuse or extend requests with a recorded reason.

Withhold material you are entitled to, with a record of why.

Set how long each kind of data is kept, and enforce it.

12 roles and 54 permissions, with sensitive actions separated.

Strong sign-in for every staff user.

Encrypted before and after snapshots of every change.

Every impersonated session is recorded.

Sensitive content redacted from stored email.

Customer answers encrypted at rest.

Protection against abuse and brute force.

3,055 automated tests on every release.

A versioned REST API with an OpenAPI specification.

Per-consumer keys and rate limiting.

14 outbound events with signed, verifiable delivery.

• Retained bodies and signatures
• Privacy-safe payloads
• Automatic endpoint failure handling

Swap payment, lookup, screening and scanning providers.

Talk through the risk and generate a draft rate card.

Describe a rule in normal language.

Generate or rewrite product and storefront copy.

Surface answers that don't appear consistent.

Summarise referred risks.

Draft the assessment narrative from captured evidence.

Turn a conversation into a development specification.

Advisory only, individually switchable, budget and per-user limits, visible usage and cost.

Routine work runs on schedule every day.

See what ran, when, and whether it succeeded.

Failures recorded and surfaced.

The right people are told when something needs attention.

A record of every email sent.

Queues keep the platform responsive.

Locking prevents duplicate scheduled work.

249 countries, translatable text and multi-currency.