Three core strengths have enabled us to outperform the market.

Let’s start with tech. Our digital distribution keeps our costs low and makes us easy to scale. Then there’s AI. It isn’t a bandwagon we’ve suddenly jumped on; we’ve been using it for years (and long before most insurers) to make intelligent real-time decisions for our customers.  

We’re only able to make those decisions thanks to our data. For us, business is always personalised. We specialised in non-standard insurance from the beginning, so we’re used to asking our customers more detailed questions than most. Now, we’ve gathered years of proprietary data that we use to make instant, reliable, personalised decisions.  

Then there are our people. We’re entrepreneurs at heart, so we’re always looking for better ways of working. When we couldn’t find the right decisioning tool for our customers, we built one. Today, tech specialists work across our entire business - making sure our digital tools work as smartly as we do.