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Percayso Inform

Insurance intelligence that turns data into better decisions

Underwriting & Risk Growth Series A
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Overview

Percayso Inform is a data intelligence and enrichment platform for the UK insurance market, serving carriers, MGAs, brokers, and price comparison sites across the full policy lifecycle. Founded in 2019 and headquartered in Nottingham, the company ingests and normalises data from multiple proprietary and third-party sources -- including its own Quote Lake, Policy Lake, and Vehicle Intelligence datasets -- and delivers actionable signals via a single API gateway.

The platform is delivered as a modular suite: Percayso Enrich provides a unified API gateway to consumer bureau and industry data providers; Percayso Inform transforms enriched data into machine learning scorecards and real-time decisioning; and Symphony orchestrates these services into a cohesive underwriting and pricing intelligence hub. In February 2023, Percayso acquired Cazana from Cazoo, adding the UK's largest vehicle history database (over one billion data points) to its product portfolio under the Percayso Vehicle Intelligence brand.

Since founding, Percayso has grown to serve 65+ clients, including top-10 UK insurers such as Ageas, Covea, Direct Line, and Markerstudy. In February 2026, Aviva signed a multi-year agreement covering vehicle data enrichment across pricing, underwriting, and claims in UK personal and commercial lines. The company has raised approximately USD 8.7M across multiple rounds, with Praetura Ventures as lead institutional investor.

Products & Services

Percayso Enrich

A single API gateway providing access to multiple consumer bureau and insurance industry datasets, eliminating the need for direct point-to-point integrations. Offers three deployment options -- Partner Gateway, Percayso Gateway, and Private Gateway -- to suit different integration and data hosting requirements. Handles data harmonisation across providers including Experian, Equifax, TransUnion, Synectics, and CRIF, as well as platform providers such as RDT, Acturis, IS2, Genasys, and Applied Systems.

Key Features

  • Unified access to bureau and industry data through one integration
  • Three gateway models for different hosting and data-control preferences
  • Data harmonisation and normalisation across heterogeneous sources

Target Users: Carriers, MGAs, brokers, price comparison sites

Percayso Inform (Inform Manager)

Transforms enriched data into actionable underwriting and pricing intelligence. Comprises Inform Studio for strategy configuration and model management, and Inform Companion for real-time decisioning at point of quote or policy inception. Supports machine learning models, scorecards, and champion-challenger testing without disrupting live systems.

Key Features

  • Strategy and model configuration via Inform Studio
  • Real-time scoring at point of quote via Inform Companion
  • Champion-challenger testing framework with no live-system disruption

Target Users: Pricing and underwriting teams at carriers and MGAs

Symphony

An orchestration Intelligence Hub that combines Bureau Intelligence, Quote Intelligence, Policy Intelligence, and Vehicle Intelligence into a unified underwriting and pricing strategy layer. Operates at live industry scale and uses a Red/Amber/Green risk signal framework to segment risk. Reported outcomes include an 8-10% improvement in loss ratio and up to 50% increase in book size.

Key Features

  • Unified orchestration across bureau, quote, policy, and vehicle intelligence
  • Red/Amber/Green risk segmentation signals
  • Real-time operation at production quote volumes

Target Users: Carriers and MGAs deploying integrated pricing and underwriting strategies

Quote Intelligence

Exposes behavioural risk and manipulation signals at the quote stage using Quote Lake data and real-time pattern analysis. Detects price manipulation and application misrepresentation before a policy is bound.

Key Features

  • Quote Lake behavioural database with historical quotation signals
  • Real-time manipulation and misrepresentation detection
  • Pre-bind fraud prevention

Target Users: Carriers and MGAs operating in competitive personal lines markets

Policy Intelligence

Post-inception validation that detects policy drift and validates underwriting assumptions against real-world outcomes. Creates a continuous feedback loop between live portfolio performance and pricing strategies.

Key Features

  • Policy drift detection and mid-term validation
  • Feedback loop to pricing and underwriting models
  • Policy Lake aggregated data tailored per organisation

Target Users: Underwriting and portfolio management teams

Percayso Vehicle Intelligence (formerly Cazana)

Access to the UK's largest vehicle history database, covering over one billion unique data points from motor trade retail sales, DVLA, DVSA, and MOT records. Used as the reference data source by the Financial Ombudsman Service when adjudicating claims disputes. Powers the Claims Companion platform used by 30+ insurers, brokers, and claims management companies.

Key Features

  • Over one billion vehicle history data points
  • Coverage across market valuation, DVLA, DVSA, and MOT history
  • Claims Companion platform for claims settlement reference data

Target Users: Carriers, brokers, and claims management companies in UK motor

At a Glance

Founded
2019
Headquarters
Nottingham, England, United Kingdom
Employees
51-200
Funding
Series A

Category & Focus

Category
Underwriting & Risk
Subcategories
Data Enrichment Risk Scoring Fraud Detection Pricing Intelligence Vehicle Intelligence
Insurance Verticals
P&C Personal P&C Commercial Specialty/E&S
Target Customers
Carriers, Brokers, MGAs/MGUs

Customers

  • Ageas
  • Aviva
  • Covea
  • Direct Line
  • Markerstudy
  • Somerset Bridge
  • The AA

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Last updated: 2026-06-05