AI pricing intelligence for motor insurers
Making motor insurance data work harder.
Cerevo helps insurers turn the data they already collect into sharper pricing, smarter claims, and better customer outcomes.
Your book is changing faster than your rating factors.
EVs, ADAS, and newer vehicle architectures have broken the assumptions in traditional GLM pricing models. The data exists, it just isn't reaching your actuaries in a usable form.
Combined ratios above 100%
The majority of motor books are running at a loss. Inadequate pricing at the risk level is a primary driver, not just claims inflation.
ADAS and EV blind spots
Advanced driver assistance systems and electric drivetrains create new risk profiles that current rating factors don't capture at the trim or variant level.
Data that sits in silos
Claims, telematics, and third-party feeds exist but aren't connected. Insurers are data-rich and insight-poor, and building in-house is slow and expensive.
Our approach
Cerevo applies machine learning to the policy and claims data insurers already hold, surfacing patterns that traditional approaches miss. We focus on a single problem, accurate risk pricing, and give it the depth that broad in-house programmes rarely achieve.
Precision pricing, without the build cost.
Three outcomes that compound. Sharper pricing means tighter products, tighter products mean a healthier book, a healthier book strengthens everything underneath it.
Sharper risk pricing
We use more of your data to score claim probability with greater accuracy, so each risk is priced on what it really looks like.
Better product design
We surface patterns in the policies you already write, helping you spot opportunities for product improvement and innovation.
Stronger bottom line
Tighter pricing and smarter products work together to bring your combined ratio down and your underwriting margin up.
Working with us
See the improvement before you commit.
We're working with a small number of UK motor insurers on focused pilots. Anonymised data in, actionable insights out, with quick turnaround and no long procurement cycle.
- Anonymised data, GDPR-safe
- Quick turnaround
- Bespoke analysis on data