- Products
- Capability register
Every capability, in one place.
Built for technical and compliance due diligence. Search, filter by area, and open any capability for the detail.
Capabilities
101 capabilities
Product Visual product builder
Build products around the risk without code.
- Sections, subsections and repeatable risks
- Drag ordering and complete question settings
Product 26 question types
A full set of question types for any insurance journey.
Product Validation and linked answers
Validate input, set conditional defaults and link answers together.
- Derived answers for reusable journey logic
Product Configurable rating
Rate cards, base rates, factors, covers and minimum premium.
- Coded rating engines for complex pricing
- Independent engine versioning
Product Underwriting rules
Automate declines and referrals with conditional logic.
Product Product versioning
Dated product versions, with historic products left intact.
Product Product templates
Clone and adapt proven products and reusable templates.
Product Generated product documents
Product documentation generated from the product definition.
Distribution Branded storefront
A consumer storefront you control.
Distribution Broker firms
Every broker firm kept separate, with its own users and business.
Distribution Partner attribution
Know exactly which partner business came from.
Distribution Embedded quoting
Quote inside someone else's journey through the API.
Distribution Discount codes
Configurable discount codes for campaigns and partners.
Distribution Multi-currency display
Show prices in the customer's currency.
Quote Quote lifecycle
Draft, pending, held, converted, expired, declined and blocked states.
Quote Live pricing
Premium reacts immediately to every change.
Quote Referral queue
Referred quotes go to underwriters, with agreed premium overrides.
Quote Save and resume
Start on one device and finish on another.
- Email quote
- Reminders and chasers
Quote Checkout
Card, Direct Debit or manual settlement, monthly or annual.
Quote Sanctions screening Compliance
Screen customers during the quote.
Quote Answer anomaly review
Flag answers that don't look consistent.
Quote Address and vehicle lookup
Look up addresses and vehicle data during the journey.
Quote Secure file uploads
Accept customer files with virus scanning.
Quote Quote expiry
Quotes expire automatically after a configured period.
Policy Policy workspace
Customer, risk, versions, payments, documents, claims and complaints in one view.
Policy Mid-term adjustments
Re-rate, calculate the premium difference and charge or refund.
- A new policy version at every change
Policy Policy history
A dated snapshot at every change.
Policy Renewals Compliance
Automated creation, rating, notices, collection and policy chaining.
- Previous and current premium disclosure
- Shop-around statement
- Minimum notice period
- Configurable compliance wording
Policy Cancellation
Cancellation reason, calculated refund and ledger adjustment.
Policy Document reissue
Reissue schedules, certificates and employer's liability certificates.
Policy Customer record
Quotes, policies, email history and customer details together.
Policy Vulnerability marker Compliance
Flag customers who need extra care.
Payments Card payments
Card payments via Stripe.
Payments Direct Debit
Direct Debit via GoCardless.
Payments Manual settlement
Record payments taken outside the platform.
Payments Monthly instalments
Instalment plans with payment grace periods.
Payments Refund allocation
Refunds allocated back to the policy and ledger.
Payments Payment provider logs
A record of every exchange with payment providers.
Claims Claim lifecycle
From first notice of loss to closure, with every state recorded.
Claims Two-way messaging
Message customers from the claim.
Claims Document requests
Request documents from customers, chased daily.
Claims Internal material
Keep internal notes and material separate from customer-visible content.
Claims Reserves
Set and move reserves, feeding incurred and loss ratio.
Claims Claim payments and settlement
Pay claims and record settlement against the ledger.
Claims Service-level clocks
Track claim handling against service levels.
Complaints Statutory clocks Compliance
Summary resolution and final-response deadlines tracked automatically.
Complaints Backdated receipt date Compliance
Record when the complaint was really received.
Complaints Outcomes and redress
Record outcomes and any redress paid.
Complaints Final-response requirement Compliance
Complaints cannot close without a final response.
Complaints Complaint deadline warnings
Staff are warned before deadlines pass.
Complaints Policy linking
Complaints stay linked to the policy they concern.
Reporting Settlement reporting
What is owed to whom, by period.
Reporting Loss ratio
Incurred against earned premium.
Reporting Commission
Commission reporting by partner and broker.
Reporting Bordereau Compliance
Bordereau reporting for capacity providers.
Reporting Aged debt
Outstanding premium by age.
Reporting Data exports
Export data for your own analysis.
Reporting Live dashboard
Current trading at a glance.
Reporting Historical integrity
If the platform doesn't know something historically, it says so.
Governance Fair value assessments Compliance
Structured assessments with evidence and reasoning.
Governance Target market Compliance
Define and record each product's target market.
Governance Annual review and chasing Compliance
Reviews are scheduled and chased automatically.
Governance Unbroken assessment history
Every assessment kept, in order.
Governance Automatic storefront withdrawal Compliance
A product that fails its assessment is withdrawn from sale.
Data Data request register Compliance
Every data subject request logged with status and deadline.
Data Identity verification
Verify requesters before anything is released.
Data Structured SAR export Compliance
Export a customer's data in a structured format via a secure link.
Data Erasure with blockers Compliance
Erase data unless a legal reason to keep it applies.
Data Refusal and extension workflow Compliance
Refuse or extend requests with a recorded reason.
Data Lawful withholding
Withhold material you are entitled to, with a record of why.
Data Configurable retention Compliance
Set how long each kind of data is kept, and enforce it.
Security Roles and permissions
12 roles and 54 permissions, with sensitive actions separated.
Security Two-factor authentication and passkeys
Strong sign-in for every staff user.
Security Append-only audit log Compliance
Encrypted before and after snapshots of every change.
Security Impersonation auditing
Every impersonated session is recorded.
Security Email redaction
Sensitive content redacted from stored email.
Security Encrypted customer answers
Customer answers encrypted at rest.
Security Rate limiting
Protection against abuse and brute force.
Security Automated test suite
3,055 automated tests on every release.
API REST API v1
A versioned REST API with an OpenAPI specification.
API API keys and rate limits
Per-consumer keys and rate limiting.
API Webhooks
14 outbound events with signed, verifiable delivery.
- Retained bodies and signatures
- Privacy-safe payloads
- Automatic endpoint failure handling
API Replaceable provider interfaces
Swap payment, lookup, screening and scanning providers.
AI Rate card assistant
Talk through the risk and generate a draft rate card.
AI Condition builder
Describe a rule in normal language.
AI Content assistance
Generate or rewrite product and storefront copy.
AI Quote anomaly review
Surface answers that don't appear consistent.
AI Underwriting notes
Summarise referred risks.
AI Fair value narrative
Draft the assessment narrative from captured evidence.
AI Change scoping
Turn a conversation into a development specification.
AI AI controls
Advisory only, individually switchable, budget and per-user limits, visible usage and cost.
Operations 18 automated daily operations
Routine work runs on schedule every day.
Operations Scheduler visibility
See what ran, when, and whether it succeeded.
Operations Error register
Failures recorded and surfaced.
Operations Staff notifications
The right people are told when something needs attention.
Operations Email log
A record of every email sent.
Operations Background processing
Queues keep the platform responsive.
Operations Multi-server safety
Locking prevents duplicate scheduled work.
Operations Localisation readiness
249 countries, translatable text and multi-currency.
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