Motor, commercial, specialty vehicle. All on one platform.
A rating engine that understands vehicle data and driver factors, distribution that respects the dealer and broker channels, and rate changes that ship in an afternoon.
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.
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.
From rating tables to live quotes, here's the path.
Set up your vehicle product in the admin portal. Rating factors like make and year, valuation, driver age, region, claims history. Calculation rules, referral rules, document templates. Editable by your underwriters; versioned for auditability; no code release required. We can do the configuration for you, work alongside your team, or hand you the keys and let you build it on your own.
Run test quotes against your expected premiums for every vehicle class and driver profile. Verify the rating, the referral rules, and the document outputs. Walk the customer journey through your staging environment before any traffic hits production. Test data and tokens are kept separate, so nothing leaks across.
Drop the quote widget on your site, on a dealer microsite, or on a broker portal. One script tag; inherits your theme; mobile-first because most motor quotes happen on a phone in a forecourt.
Flip the switch. Watch quotes flow through the live event stream. Iterate on rules and copy as you learn. The platform is editable in production, and a rate change ships in an afternoon.
A vehicle insurance platform is the software that holds your motor, light commercial, and specialty vehicle products, their rates, quoting, payment, and renewal lifecycle in one place. InsureOS is built around the MGA shape: small underwriting team, fast rate iteration, distribution across direct, broker, and dealer.
Edit the rating table in the admin portal, version it, ship it. Old quotes keep their old rates; new quotes pick up the new ones from the effective-from date. No code review, no pipeline, no Friday-evening incident.
Yes. External data — vehicle valuations, parts costs, NCB lookups, partner feeds — wires in via scheduled jobs that read CSV, SFTP, or API sources. The data lands as a rating-table dimension or a quote-time lookup. Adding a new feed type is part of the build, not a separate product.
Distributor splits are modelled per-product and per-channel. White-label policies are tracked end-to-end. Reconciliation reports come out of the same data, not out of a separate spreadsheet world.
Yes. Customers pick the payment method that suits them. Premium finance is wired into the bind flow, so a monthly instalment is a click, not a separate redirect. The MGA stays out of the credit risk.