Know which risks are most likely to claim
Improve risk selection, protect your loss ratio and build stronger insurer relationships with intelligence delivered at the point of quote.
Your enrichment data only tells half the story
Customer details, claims history and vehicle information help build a picture of the risk. But they don’t tell you whether that customer is likely to claim on the policy you’re about to write.
Without that insight, loss ratios suffer, capacity relationships come under pressure and underwriting decisions become harder to defend.
Propensity to claim fills that gap, helping you select risks with greater confidence.
Built to fit seamlessly
Built for insurance
Available across motor, home and commercial vehicle, with models trained specifically for each type of cover.
No additional workflow
Propensity to Claim integrates into the channels you already use, with no new processes or vendor relationships to manage.
Real-time machine learning
Assess every risk at the point of quote and receive a score between one and 100, indicating the likelihood of a future claim.
Performance you can measure
51%
A regional broker reduced a specific insurer book claim rate from 5.1% to 2.5% in 12 months by applying Propensity to Claim to their point-of-quote decisions.
4%
Adrian Flux’s Trinity Lane MGA motor book achieved a 4% improvement in loss ratio delivering over £1 million in claims cost savings.
200+
Where traditional actuarial methods assess 15–20 factors, Propensity to Claim analyses more than 200 specific to the type of cover being requested and retrains continuously on live data.
Protect capacity with better risk selection
For MGAs and delegated authority underwriters, loss ratio is more than a metric. It’s the foundation of your relationship with capacity providers.
Propensity to Claim provides a data-driven basis for every underwriting decision, helping you reward lower-risk customers, price appropriately and confidently decline business that sits outside your appetite.
The result is a stronger book and more resilient insurer relationships.
Write better business and strengthen insurer relationships
Better risk selection doesn’t just improve claims performance. It helps you build a portfolio that insurers want to trade with.
When a delegated authority broker in Northern Ireland applied Propensity to Claim to a specific insurer book, claim frequency was almost half that of the rest of their portfolio.
Better-performing books secure stronger relationships, better terms and greater confidence at renewal.
Fits into your existing ecosystem
Propensity to Claim is designed to work with the systems you already use, helping you realise value quickly without a complex integration project.
Simple to use. Easy to act on.
Risk assessed
Customer data is analysed at the point of quote using continuously trained machine learning models.
Score returned
A score between 1 and 100 indicates how likely the customer is to make a claim.
Decision made
Use the score to price competitively, apply loadings or decline risks outside your appetite.
Models that improve over time
Unlike static models that degrade over time, Propensity to Claim continuously retrains against live and historic loss data.
Hyperparameter optimisation and ongoing validation ensure the model remains accurate and responsive to changing customer behaviour.
The longer it runs, the more valuable it becomes.
“We set the team a tough challenge to help reduce loss ratios and, in a short space of time, we’ve seen powerful results.”
Make better decisions at the point of quote
Whether you’re an MGA protecting capacity or a broker building stronger insurer relationships, Propensity to Claim gives you the intelligence to write better business with confidence