Made in New Zealand
Define your insurance products, connect your systems, and launch a branded quote experience. All from one platform.
InsureOS is the glue between you, your customers, and the systems you already run. Pick the tools you need. Keep the rest of your stack as it is.
Automate your premium calculation. Rating tables, factors, and rules, all in one place.
| $250 | $500 | $1,000 | |
|---|---|---|---|
| $10k | $72 | $60 | $51 |
| $20k | $144 | $120 | $102 |
| $30k | $216 | $180 | $153 |
| $40k | $288 | $240 | $204 |
Embed branded, configurable forms on any website. Customers get a quote in seconds.
Convenient policy renewals with hosted payment links, emails, and integration glue.
Create branded policy documents, certificates, and receipts automatically as events fire.
Card, bank transfer, monthly instalments. Wire in your current gateways, or add more.
Our glue layer. Make requests to our rating engine and subscribe to system events.
Insurance is not a product you can ship in a box. Off-the-shelf SaaS asks you to bend around their software. We don't work that way.
InsureOS is a bespoke service built on shared infrastructure. The platform is the same for every insurer. The setup never is.
We partner with each insurer one by one. We map your rates, build your forms, and wire your integrations, all the way through to production.
Everything we set up is editable from the admin portal. Change rates, tweak forms, adjust rules. No tickets, no waiting.
Independent doesn't mean alone. We're a message away whenever you'd rather have a hand on the wheel.
Long forms scare customers away. Break the quote journey into focused stages so every page asks for only what matters right now: customer info, vehicle details, declarations, checkout.
Offer the payment methods your customers actually want. Wire in the gateway you already use. Policy documents and receipts go out automatically the moment a purchase clears.
Read moreCard, bank transfer, monthly installments. Let customers choose what works for them.
Windcave, Stripe, or your own provider. Configure once, works everywhere.
Offer monthly installments through your funding provider of choice, priced at quote time.
Policy documents and tax receipts go out automatically the moment a customer pays.
Drop the widget onto any page on your site or your distributor's. It picks up your theme, your fonts, and your colours. The customer never leaves the URL they trust.
See online quotingTell us about your car. We'll price your cover in under a minute.
The car you'd like to insure
Define a nice-looking schedule, certificate, or receipt once as a template. Auto-fill it with quote and policy data, and generate the document manually, through your integrations, or via the API.
| Section | Sum insured | Excess |
|---|---|---|
| Hull and machinery | $185,000 | $1,000 |
| Third party liability | $5,000,000 | $500 |
| Personal effects | $10,000 | $250 |
Define your rating factors, compute base premiums with tables or rules, then layer on loadings, taxes, and levies. All from one dashboard, without writing code.
Calculate the base premium using a lookup table or a set of rules.
| $250 | $500 | $1,000 | |
|---|---|---|---|
| $10,000 | $72 | $60 | $51 |
| $20,000 | $144 | $120 | $102 |
| $30,000 | $216 | $180 | $153 |
| $40,000 | $288 | $240 | $204 |
| $50,000 | $360 | $300 | $255 |
Not every quote should auto-close. Define referral rules as narrow or broad as you need: a specific vehicle make, a sum insured threshold, a driver age. The customer still completes the form normally; the quote just pauses at the end with a friendly wait message while your underwriter picks it up for review.
Read moreA member of our team will be in touch within 24 hours to complete your quote.
Every major change ships as a new version with its own effective date. Open any past quote and see the exact tables, rules, and numbers that priced it on the day.
Read moreWhat we're building next. Order is roughly by ship date.
A login for your policyholders to view cover, download documents, manage payments, and lodge claims. Self-service for them, fewer calls for your team.
First notice of loss, status tracking, and document upload. Your customers see where their claim is in real time; your team works in a back-office workbench.
Invite distribution brokers to quote and bind on your products, with commission tracked per broker and white-labelled documents under your brand.
InsureOS is an insurance platform built for specialty MGAs. It holds your products, rates, quoting, payment, and renewal lifecycle in one place, with rating tables and rules editable from an admin portal rather than from a code repo.
Specialty MGAs (Managing General Agents) underwriting in marine, property, motor, professional indemnity, and other specialty lines. Small specialty teams running two to ten products with at least NZD $1M of gross written premium.
A rating engine, an embeddable quoting widget, a payment-collection layer with multiple gateways, a renewal lifecycle, document generation, an admin portal for your team, and a REST API plus webhook surface for integrations.
AWS in your region. New Zealand-hosted by default; Australia and EU on request. Each MGA tenant has its own database schema for hard isolation. Your data belongs to your organisation.
A flat monthly subscription, sized by the modules and integrations you turn on, plus a one-off onboarding and setup fee. Custom integration work is folded into the setup fee. No GWP-based pricing; no take-rate on premium; no per-policy charge. Your unit economics improve as you scale, instead of being eaten by your platform vendor.
A first product, from kickoff to a real quote in production, is usually four to eight weeks. The platform is configured in hours; the rest of the time goes into rating logic, question sets, and binding rules with your team.