Premiums and policy features, compared line by line.
Insurance products are hard to compare because price depends on a risk profile and cover is described in long policy documents. We capture published quotes for defined profiles, extract features from product pages and wordings, and track regulatory notices, so product and pricing teams can compare like with like.
What makes this industry hard to track.
Profile-based pricing
Quotes depend on age, location, vehicle or property details. Consistent, fictitious test profiles are needed to compare insurers fairly.
Features buried in documents
Excesses, limits and exclusions often sit in PDF policy wordings rather than product pages.
Frequent product changes
Insurers revise features, add-ons and wordings, and the changes are rarely announced clearly.
Regulatory context
Regulators publish rules, circulars and complaint data that shape the market but are spread across many sites.
Eight data points our clients rely on.
Published quotes
Premiums returned for defined, fictitious test profiles.
Cover limits and excesses
Key limits, deductibles and sub-limits per product.
Optional add-ons
Available extras and their stated prices.
Exclusions
Main exclusions extracted from product pages and wordings.
Policy wording versions
Changes between versions of published documents.
Product ratings
Independent product ratings and customer review scores.
Regulatory notices
Circulars, rule changes and published statistics from regulators.
Distribution channels
Where each product is sold: direct, comparison sites or brokers.
An illustrative extract.
| Date | Source | City | Test profile | Annual premium | Currency | Excess | Roadside cover |
|---|---|---|---|---|---|---|---|
| 2026-03-19 | Comparison site A | Dubai | Driver 35, mid-size sedan 2024 | 2350 | AED | 500 | Included |
| 2026-03-19 | Insurer site B | Singapore | Driver 35, mid-size sedan 2024 | 1480 | SGD | 600 | Included |
| 2026-03-19 | Comparison site C | São Paulo | Driver 35, mid-size sedan 2024 | 3890 | BRL | 4200 | Add-on |
| 2026-03-19 | Insurer site D | Toronto | Driver 35, mid-size sedan 2024 | 2140 | CAD | 1000 | Add-on |
| 2026-03-19 | Comparison site E | Leeds | Driver 35, mid-size sedan 2024 | 712 | GBP | 350 | Included |
Illustrative rows. Sources, markets and fields are agreed with you during scoping.
How teams put it to work.
Premium benchmarking
Regular quotes across competitors for a panel of fictitious profiles, showing where your pricing sits by segment.
Product feature comparison
A structured grid of limits, excesses, add-ons and exclusions extracted from competitor products and wordings.
Regulatory monitoring
A digest of new circulars, rules and published statistics from insurance regulators in your markets.
Relevant solutions
Related industries
Do you use real customer details to get quotes?
No. We use fictitious test profiles agreed with you, and only where the source's terms allow it. Real personal data is never used.
Can you extract features from policy wordings?
Yes. We extract limits, excesses and key exclusions from PDF wordings into structured fields, and track changes between document versions.
How many test profiles should we use?
It depends on your segments. A small panel covering key ages, locations and risk types is often enough to start, and it can be widened once the first results show where the variation is.
Do you monitor insurance regulators?
Yes. We track publications from regulators in the markets you choose and deliver new items with dates, titles, summaries and links.