Personal Lines

Personal Lines Trading


Open GI provides four main personal lines rating engines, equipping the market with access to a wide range of leading products for Motor, Truck, Bike and Home. All of the engines are able to cater for all transactions types: • New Business • Mid-Term Adjustments (including Temporary Adjustments) • Cancellations • Renewals

Full electronic fulfilment is available across all four rating engines


Allows you to write private car, taxi, classic car, imported and other non-standard risks. A host of enrichment services are available, at point of quote, which includes integration with MyLicence.



Allows you to write commercial vehicle, courier, minibus and other non-standard risks. As with private car, a full suite of enrichment services are available at point of quote.


In addition to standard Full Cycle EDI trading, this engine also caters for placement of multi-bike risks, allowing you to receive all of the risk detail within one message. A full suite of enrichment services is also available.


As with our other rating engines, residential property caters for full electronic placement of dwellings including holiday homes, and mid and high-net worth risks. Enrichment services are also available.


Real-time pricing, rating updates and an enrichment service

Your business can benefit from the best anti-fraud and pricing tools available, thanks to integration with enrichment providers. This includes full integration with the MyLicence Enrichment Hub, providing real-time conviction and driving licence data at the point of quote. Credit and ID checks at point of quote are just two of the additional enrichment services available through our Personal Lines Product Functionality.

We also offer real-time rating solutions via our Insurer Hosted Pricing solution. If you take advantage of our fully integrated Polaris RTE, then you’ll also enjoy instant rate changes.

Product functionality

Depending on your requirements and the engine you want, the following capabilities can be made available:

• Premium override
• Excess override
• Vehicle override
• Referral processing

• Full postcode rating
• Electronic renewals transfer
• Accounts reconciliation
• Rating by business source code

Discover our Open Market product range

Service Motor Truck Bike Home
Accounts Reconciliation Yes Yes Yes Yes
Add-on Marketplace Yes Yes Yes Yes
Aggregator Integration Yes Yes Yes Yes
Business Source Code Rating Yes Yes Yes Yes
Claims Processing Yes Yes Yes Yes
Enrichment Services Yes Yes Yes Yes
Full Cycle EDI Yes Yes Yes Yes
Full Policy Administration System Yes Yes Yes Yes
Full Postcode Rating Yes Yes Yes Yes
Insurer Hosted Pricing Yes Yes Yes Yes
Multi-Vehicle N/A Yes Yes N/A
MyLicence Yes Yes Yes N/A
Point-of-Quote Enrichment Services Yes Yes Yes Yes
Referral Processing Yes Yes Yes Yes
Telematics Yes N/A N/a N/A
Weekly Rates Services Yes Yes Yes Yes

For more information, please call us on 01905 754455