Redefining Risk Intelligence for U.K. Brokers
Navigate pricing pressure, rising claims costs and growing complexity with smarter risk intelligenceSmarter data. Faster decisions. Stronger client outcomes.
Ready to Transform the Way You Work?
U.K. brokers are operating in one of the most demanding environments in recent history. Claims costs are rising. Climate events are becoming more frequent and severe. Customers are better informed, more price-sensitive, and quicker to switch. And regulators are raising the bar - demanding greater transparency, fairer outcomes, and evidence that brokers are providing the right product at the right price.
At the same time, competition is intensifying. MGAs and insurtechs are moving faster, leveraging data and automation to undercut traditional workflows. For brokers still relying on manual processes and fragmented data sources, the pressure to modernise has never been greater.
Policy cancellation rates remain a significant drag on profitability, driven by inaccurate pricing at the point of quote and misrepresentation of risk. Every cancelled policy represents lost premium, increased admin costs, and a missed customer relationship.
Climate volatility is exposing the limitations of postcode-level risk models. Two properties on the same street can face entirely different flood or subsidence exposures - yet many pricing engines treat them identically, leading to mispriced risk and unexpected claims costs.
The question is no longer whether to transform your data strategy - it's how fast you can do it.
Across motor and property lines, U.K. brokers are navigating a set of interconnected challenges that are slowing growth, eroding margins, and making it harder to deliver the service their clients expect. These aren't new problems, but the stakes have never been higher.
Inaccurate premiums lead to adverse selection and business lost to faster competitors. Straight-Through Pricing (STP) removes the delays, enabling issue a quote instantly.
Juggling multiple systems and manual processes slows quoting, introduces error, and frustrates both brokers and clients..
Brokers must now demonstrate that every product and price genuinely meets the customer's needs not just ticks a regulatory box.
Undisclosed risk at the point of quote drives costly cancellations, corrections, and damaged client relationships.
In a market where customers compare in minutes, slow quotes mean missed conversions and business lost to faster competitors.
Brokers on legacy systems struggle to demonstrate the depth of insight and speed of service that modern clients expect.
The most forward-thinking brokers are already reaping the benefits of data-led quoting. They are generating faster, more accurate premiums. They are reducing cancellations by identifying misrepresented risk earlier.
Straight-Through Processing at scale: Automate the quote journey from first entry to binding — no manual intervention, no delays. Real-time data enrichment enables instant, accurate premiums across motor and property lines.
Address-level property intelligence: Move beyond postcode risk. Understand flood, subsidence, windstorm and crime exposure at the individual property level — enabling right-first-time quotes for home and commercial lines.
Reduced cancellations and adverse selection: Enrich quotes with verified claims history, vehicle data and identity signals to identify discrepancies before they become costly corrections or cancellations.
Consumer Duty confidence: Demonstrate that every quote is supported by accurate, transparent data — enabling brokers to show customers they are receiving the right product, at the right price, with the right level of cover.
Competitive differentiation: Move off legacy systems and onto modern data infrastructure. Explain risks clearly, build stronger client relationships, and position your brokerage as a trusted, innovative partner — not just another quote engine.
1. LexisNexis® Informed Quotes
2. LexisNexis® Informed Broker
3. LexisNexis® Hosted Data
4. LexisNexis® Quote Intelligence
5. Broker Intelligence
6. LexisNexis® Risk Insights
7. Affordability Check
8. LexisNexis® Emailage® Rapid
9. LexID® for Insurance
10. LexisNexis® Precision Claims
11. LexisNexis® Informed Claims
12. No Claims Discount Module for LexisNexis® Policy History Motor
13. LexisNexis® Policy Insights
14. Attract™ for Motor
15. LexisNexis® Vehicle Build
16. LexisNexis® Vehicle Insights
17. LexisNexis® Geospatial Intelligence
18. LexisNexis® Geospatial Risks
19. LexisNexis® Map View
20. Commercial PreQuote
21. LexisNexis® Property Insights
Increase pricing accuracy – Through various data sets delivered at point-of-quote allowing pricing to be more reflective of the risk.
Reduce fraud risk – Understand the fraud risk with verification, validation, and scoring available at point-of-quote.
Give a better customer experience – Through delivering data enrichment for accurate point-of quote offers rather than post-sale checks which can lead to pricing or terms adjustments.
Make operational savings – Reduce processing times and lower administrative costs through automated regulatory checks.
Increase profitability – Increased retention rates through injecting data enrichment into your workflow that helps deliver a superior, streamlined customer experience.
Provides access to an unparalleled range of 3rd party, client and LexisNexis contributory and proprietary data
Consistent data enrichment across all channels
Allows for quick implementation of new data sets and products
Quickly deploy enrichment strategies across all major software houses
Access to a wide breadth of datasets including, public credit and identity verification data, vehicle and claims data, government and company data, and policy history including NCD information
Spans new business quotes, renewals and MTAs
Improve insurer relationships – Verify individuals quickly delivering quotes priced at the right risk for your customer.
Flexible delivery through batch upload, API, broker platforms or manual search
Verify consumer details quickly and accurately
All data enrichment needs can be met through a single pipe
The data can then be delivered via LexisNexis Informed Quotes and LexisNexis Informed Portfolio at point-of-quote and renewal, in order to allow clients to use their unique private data like exception files to inform pricing and support customer retention.
Improve pricing accuracy – Through using private data to price and reward consumers through accurate premiums.
Retain better risk – Using member or affinity partner data to help retain preferred customer at renewal.
Avoid bad risk – Identify those who have been previously flagged as bad risk or fraud through exception files and private stop lists at point-of-quote.
Host any client data required for pricing, fraud reduction and retention
Unique insights can be delivered at point-of-quote
Delivered by Informed Quotes and Informed Portfolio
All data hosted by LexisNexis secure receipt and transmission of data via SFTP
Flexible look up keys to meet client needs
Nightly file replacements/deltas
Real-time updates available
Quote Intelligence consists of three different modules Connect, Manipulate and Tempo, each module offers insights into both the main and named drivers on a quote, showing how different types of behaviours can be indicators of an individuals risk.
Achieve More Informed Underwriting – Apply in-depth data analytics for more sophisticated motor insurance underwriting and rating processes.
Grow your business – Make better decisions faster by incorporating critical quote information based on behaviour and history into your workflow.
Connect - The Quote Intelligence database is searched for all relevant quote records to understand quoting behaviours and connections between the Proposer, Addresses and Vehicles within a 90 day period
Manipulate - Interrogation of relevant quotes within the Quote Intelligence database across different time periods to understand the number of changes to quote attributes and the direction and magnitude of change
Tempo – The Quote Intelligence database is searched to build factors that are used to understand the timing of quotes across a 90 day window
Through specially selected attributes returned via LexisNexis® Capstones, you can conduct not just basic data enrichment, but also get a truly deep understanding of your customer by drawing data from their policy history, public records, credit history, financial sanctions records and other unique data, to build a more complete picture of an individual, all at the point of quote.
Growing competition and changing customer behaviours are driving the need for data enrichment, enabling brokers to offer a better customer journey and experience.
Improve pricing accuracy – Gain access to credible policy data, allowing you to better understand risk and price accordingly.
Enhance customer the experience – Streamline quoting, deliver more accurate quotes and remove post-sale validation requirements.
Improve quotability – Match more individuals at PoQ, widen your footprint and quote more business.
Gain great confidence – Better assess fraud and claims risk with quick and easy verification of key information.
Lower operational costs – Reduce overhead, manual processes and costs associated with cancellations.
Our solution is available for new business quotes and renewals, and through all major software houses and broker platforms. Access insights you might otherwise miss with Broker Intelligence and the LexisNexis® Informed Quotes platform.
Increase quotability – Gain the ability to match more individuals at the point-of-quote through the use of our proprietary linking and matching technology.
Make operational cost savings – Reduce the amount of manual processes and costs associated with cancelled policies and claims handling.
Improve risk assessment – Get a better understanding of an individual’s risk, allowing for more accurate underwriting and pricing derived from unique insurance specific attributes.
Improve the customer experience – Streamline the customer journey with the provision of accurately priced quotes and the removal of a post-sale validation requirements.
Available direct through all major software houses via the Informed Quotes platform
Achieve individual match rates of up to 92%
Over 200 attributes including crimes scores, unemployment rates, CCJs and Geodemographic information
Search and match over 90% of named drivers at an individual level
It also allows for an enhanced ID check through the Full Electoral Roll delivered at the point-of-quote, that in combination with the credit assessment ensures accurate credit terms can be given to the customer in real-time rather than post-sale.
Gain an enhanced understanding of the customer – Through access to ID checks helping support more profitable underwriting.
Provide a smoother and more automated customer experience – Through point-of-quote delivery reducing operational overheads and improving the customer journey.
Improved pricing accuracy and consistency across all channels – Enabling accurate credit terms to be given at point-of-quote rather than adjustments having to be made post-sale.
Available at the point-of-quote directly or through any major software houses
Take the data directly or through a capstone depending on the required data strategy
A partnership between LexisNexis Risk Solutions, Close Brothers Limited, and Experian Limited provides best-in-class data through a single point
Built on billions of transactions from global payment processors and other online industries, LexisNexis Emailage Rapid gives insurance providers an instant risk score helping to verify an individual’s ID through email address information. The score indicates whether the ID used for the insurance application could be fraudulent.
Support more profitable underwriting – Through access to ID checks that give a deeper understanding of the customer.
Reduce operational overheads – Through point of quote delivery enabling a more automated and seamless customer journey.
Improve quotability by instantly validating an individual’s identity
Avoid writing costly, potentially fraudulent business
Make real-time, point-of-quote pricing decisions based on additional insights on the risk
Protect customers from having their identity compromised
Get real-time fraud detection and digital identity validation instant validation at point-of-quote based on billions of online transactions
• Confirm the email address supplied actually exists, is from a valid domain, and is actively being used
Increase efficiency in workflows – Through a persistent methodology for standardising, matching, linking and deduplication consumer data from multiple databases.
Verified, normalised data – To assist with record resolution and data hygiene needs.
Reduce operational costs – By removing the need to process and store unnecessary information.
Allows you to offer a better, more personalised customer experience
Helps you understand the customer’s lifetime value
Makes targeting prospects a more efficient process
Reduces claims processing and fraud referrals
Lower security risks and administrative burdens – When compared to traditional methods of consumer identification.
LexisNexis Precision Claims is the insurance market’s first highly granular cross-market claims contributory database to enhance pricing decisions at the point of quote, mid-term adjustment and renewal in home and motor insurance. It can also support point of claim decisioning to expedite claims and cut fraud.
Improve pricing accuracy and reduce underwriting fraud
Unique claims insights including loss and settlement for both the individual and the property from LexisNexis® Precision Claims for Home
Unique claims insights including loss, liability, settlement and windscreen claims for both the proposer and the vehicle from LexisNexis® Precision Claims for Motor
An unparalleled cross-market view of motor and home claims to support fair and accurate quotes
Insurance brokers with delegated authority by insurers on their panel can also access Precision Claims to provide the first line of defence against claims misrepresentation.
Make more informed decisions based on a cross-market view of claims
Improve differentiation of ‘at fault’ and windscreen claims in motor
Know the impact of extreme weather with extended claims history for key perils
Rely rather than verify by using LexisNexis Precision Claims data as a single source of truth
Lower loss costs and provide the right level of cover
Reduce claims fraud
Better understand the customer’s lifetime value
It assists in verification of the insurance risk with actionable insight on the proposers declared and non-declared claims history.
Manage risk better with real-time decisioning – Manage and underwrite new insurance risk more efficiently by verifying an individual’s claims history at the point-of-quote.
Increase profitability – Help to avoid application fraud by identifying non-disclosed claims early.
Provides full available results associated with a claim
Address linking highlights all available claims, based on all previous addresses
Available direct or via software houses
Custom results summary available for use of analysis
Available in fully automated system-to-system transactions
Gain confidence in your risk – Integrate into existing customer validation workflows for quick and easy verification of an individual’s NCD history.
Improve the customer experience – Make it easy for your customers to receive accurately priced quotes and improve their experience through point-of-quote NCD history validation.
NCD data delivered at point-of-quote or point of sale
New policies and policy changes updated daily
High quality data inputs from contributors
Automated process that requires no chasing of paper NCD proof
Reduce costly and labour-intensive manual processes – Reduce the amount of manual NCD checks required through instant verification.
It uses a person’s motor policy history, sourced from insurer and broker contributions to our Policy History Motor database, to calculate and deliver new and unique data attributes for use at point-of-quote.
Realise operational cost savings – Reduce cancellation and claims costs by avoiding ‘bad’ risk.
Minimise risk and improve pricing – Drive more accurate pricing through access to credible data, allowing risk to be better understood and premiums adjusted accordingly.
Policy data attributes delivered at point-of-quote
Automated process can slot directly into existing workflows
Improved customer experience – Through leveraging unique data attributes at point-of-quote.
Attract for Motor provides a score which leverages our proprietary industry data base, containing policy history data, combined with public records, to help better predict and segment insurance risk.
Price more accurately – Superior insurance risk identification and segmentation facilitates more accurate pricing than with financial scores or public records alone.
Reduce loss and attract the right risk for your business – Avoid adverse selection by implementing Attract™ at point-of-quote.
Applicable across quote, underwriting and renewal systems, our data delivery system slots directly into existing workflows
All data is contained in the same infrastructure, allowing us to deliver consistent end-to-end sub-second response times
Attract™ for Motor is more than a point solution – LexisNexis Risk Solutions designs solutions specifically for insurance providers and already manages 69% of policy histories across the motor insurance industry
Realise operational cost savings – Reduce operational overheads and optimise resources through more predictive scoring.
The safety benefits of ADAS continue to be proven and we now know that when these features are present on a vehicle that you wish to insure, the risk of claims loss is reduced. By researching millions of vehicles to identify the standard and optional features they have been built with, we have created a classification of current ADAS features to provide a consistent set of attributes that give new insight and significant additional segmentation potential.
Improve your underwriting efficiency – Help enhance underwriting and improve the customer experience through more efficient and informed decision-making.
Make operational efficiencies – Save time through the convenience of single access and standardised, normalised data, regardless of car manufacturer or model.
Internal research based on ~3M VINs has indicated ADAS is a predictive data asset to help you gain new insight into a vehicle’s risk, in order to quote more accurately and competitively.
Better understand definitions of any given ADAS safety feature, its purpose and behaviour, and how it may impact driver safety
Improve the customer experience through more efficient and informed decision-making where car safety features are taken into account
Save time through the convenience of single-source access and standardised, normalised data, regardless of car manufacturer or model
It currently offers a choice of four different data modules that insurance providers can easily integrate into their workflows that provide a full picture of a specific vehicle going well beyond mileage, make and model. This unique data enrichment solution can be used on its own or in combination with LexisNexis Vehicle® Build to confirm the presence and performance of ADAS features. This will offer a deeper insight on the vehicle as it comes off the production line and for every day of its life to date.
Vehicle Passport – Helps improve profitability and the customer experience by combining past vehicle adverts, MOT history and keeper changes, to create a timeline of information to support claims and underwriting teams.
Improve pricing and underwriting accuracy with more detail on the vehicle
Enhance the customer experience through more intelligence on the vehicle at the point of quote, mid-term adjustment or claim
Enhance risk assessment and modelling, through new insight on the risk appetite of the driver as well as the risk associated with the past history of the vehicle
Improve efficiencies and reduce claims processing
Vehicle Status – Supports a smoother customer journey by providing the current status of the vehicle in real-time, including make, model, mileage, age and engine capacity as well as if it has a valid MOT and road tax.
Behavioural Intelligence – Make more accurate decisions and improve profitable underwriting through a true understanding of how the policyholder manages their vehicle and its ongoing requirements.
Vehicle Valuer – Price more accurately, improve the application process and support a superior claims experience with access to real-time mileage and valuation information for all vehicles across the U.K.
Vehicle Security Status – Helps make better-informed decisions by providing the latest security status of a specific vehicle.
Lower overheads – Operational efficiencies through accessing a single source of perils data.
More accurate risk assessment – Improved premium pricing outcomes, as a result of more accurate address level, property risk assessment at the point of quote.
Enables insurance providers to deploy address-level data into a choice of rating platforms, whether through a soft warehouse or directly into a provider’s workflow
Provides increased automation of property risk at point of quote, supporting quicker, more accurate first-time quotes
Address-level risk assessment rather than traditional postcode area assessment
Access to a wide range of data:
Addressing
Crime
Flood
Subsidence
Nature
Windstorm
Improve quotability – Increased speed of delivery to market through the alignment of geospatial strategies.
Utilising address-level risk assessment instead of postcode-area searches enables you to rapidly assess property risks, leading to better-informed decision-making. Providing key peril and property data information upfront through address-level searches helps to enhance customer experience and improve instant premiums, thus securing new business.
LexisNexis® Geospatial Risks provides you with a set package of perils and property data the point-of-quote. Delivered through the LexisNexis® Informed Quotes platform we can offer simplified risk scores including flood, subsidence, crime and property, allowing you to better manage and assess risk.
Meet capacity requirements for quoting by using address-level risk information upfront
Reduce friction and costs, leading to more informed decisions and increased revenue
Key geospatial data enrichment at an affordable packaged price
Access to 4 datasets flood, subsidence, property, crime
Scores are supplied via API or a User Interface optimised for and widely used by the insurance industry. LexisNexis Map View enables property insurance providers to visualise their perils and accumulations while providing the insight to control and manage their portfolio risk and exposure.
More accurate risk assessments – aggregating key peril data and calculating accumulations at the point of sale and point-of-quote allows you to make more accurate risk assessments at the individual property level.
Precision pricing – more accurate risk assessments drive more accurate rates, allowing you to price with greater precision and to profitably grow your portfolio
Real-time visibility into accumulations and exposure to peril
Rules-based fire accumulations analysis enables automation of process of assessing fire exposure
Allows analysis of what-if scenarios
Allows identification of customers impacted by and event and rapid assessment of exposure and maximum loss
By bringing together three datasets you can validate customer-provided data prior to quote as an integral and streamlined part of the e-trading process. Commercial PreQuote provides confidence that the data used for pricing and underwriting is valid and accurate, helping to eliminate unnecessary delays, support the due diligence process and reduce friction with your customers.
Assess risk more accurately – A tailored dataset offering a further layer of validation through the confirmation of name, address, directors and multiple other data attributes.
Enhance the customer experience – Speed up the quote process for customers, cut dropout rates and improve ratings inputs.
Property Insights assists with the verification of consumer supplied data at point-of-quote, and allows for improved segmentation of risk.
Assess risk more accurately – Aggregating property attribute data at the point-of-quote facilitates a more holistic understanding of the risk by focussing on the individual property itself. This allows you to rate on key features such as number of bathrooms, floor area and heating type (among many others) to drive differentiation.
Price more accurately – More accurate risk assessments drive the ability for superior customer segmentation, allowing you to price with increased granularity to profitably grow your portfolio.
Flexible delivery at point-of-quote
Wide choice of property attributes available – speak to your account manager for a specific list
With over 40 years of expertise, we are the trusted data analytics provider for organisations seeking actionable insights to manage risks and improve results while upholding the highest standards for security and privacy. LexisNexis Risk Solutions serves customers in more than 100 countries and is part of RELX Group plc, a world-leading provider of information and analytics for professional and business customers.
Our solutions help our customers across the insurance industry to solve their daily business challenges such as identity authentication, fraud defense, streamlining workflows, due diligence and increasing productivity and revenue.
We help leading insurance companies automate and improve critical business processes, reduce expenses, combat fraud and gain pivotal insights to differentiate and deliver higher levels of customer experience
Using our world-class Big Data platform, we help deliver a superior customer experience and service enabling you to be the best when it counts the most across the UK motor, home and commercial insurance markets.
Our insurance solutions help to accurately manage risk, through significant speed in quoting, underwriting and claims processing with consistent, technologically advanced automated workflows.
We help organisations transform the way they make decisions about risks and opportunities by using data and advanced analytics.
Our solutions help insurance providers manage a variety of risks including identity theft and claims and application fraud. We also help by bringing more clarity to information, we ultimately help our customers make insurance rates more accurate, commerce more transparent, economic opportunities more inclusive, and risk decision processes more streamlined. Ultimately, we want to inspire insightful decisions in a world of hidden risks and opportunities.
