Trusted by 80% of leading insurance brands.*
See how your pricing compares with pricing intelligence insights from Defaqto.
Price remains the primary driver for most insurance customers. That makes visibility and speed critical. We provide daily pricing intelligence on your position, quotability and competitiveness against key rivals, so you can act quickly as the market moves.
Daily pricing intelligence to support faster decisions
Price is the overriding priority for most insurance consumers, which means clarity and adaptability are essential components of a successful pricing strategy. We provide daily insights into your performance and quotability against key competitors, enabling you to respond instantly to movements in the market.
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Markets we serve
How we ensure accurate price comparison data
We run real customer risk profiles through the UK’s leading price comparison websites to capture genuine, in-market prices.
Profiles are rotated and continuously analysed, with outliers removed and data cleansed to maintain accuracy.
Read our FAQsPrice and proposition benchmarking
Core premium is only part of the customer decision. Excess levels, add-ons and premium finance all play a role.
Understanding how competitors use these levers — and how they target them — helps you refine and optimise your pricing strategy.
Our benchmarking covers premium finance, compulsory excess and ancillary pricing, giving you a clear view of competitor strategy and stronger decision support.
Get in touch
Our insurance pricing insights team is led by Stephen Kennedy. He was Head of Pricing at Hastings Insurance Group from 2009 to 2017. Stephen led them through a period of significant change with regards to pricing strategy, bringing in new techniques from outside the insurance sector.
Subsequently as a consultant with Pearson Ham, and now Defaqto, Stephen has worked with some of the UK’s leading insurers across the motor, home, pet and travel insurance markets. He has also led on work including price optimisation, pricing reviews and pricing capability development.
To explore how our pricing intelligence can support your business, get in touch with Stephen Kennedy.
Defaqto combines pricing, product and market data to give a fuller view of the insurance landscape.
Alongside pricing intelligence, we provide:
- Product insight and benchmarking across the UK market
- Ratings and reviews to support product governance and oversight
- Market monitoring tools to track competitor change and emerging risk
Together, this helps insurers move beyond price alone, with clearer, more complete decision-making.
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Frequently asked questions
Are you allowed to collect pricing information from the websites?
We only collect prices where we have explicit permission and agreements to do so. Web-scraping without consent would break website terms and could result in costly legal proceedings.
Do you use real customer details?
Yes, all our quotes use real customer details. Due to increasing use of data enrichment and individual pricing, using ‘fake’ profiles could result in spurious prices being returned.
What does the subscription include other than the dashboard?
We collaborate with you to create a comprehensive set of reports that meet the specific needs of your organisation, including strategic market monitoring, critical market insight, tracked competitors and issue resolution. We also offer monthly catch-up calls, providing a summary of the market over the last month, including market movements and interesting insights.
What is the collection methodology?
Each profile is run for a few consecutive days before dropping out of the rotation to maintain a good level of accuracy and ensure there is always a day-on-day comparison. This ensures observed price movements reflect the market, not artefacts of collection, velocity rules or fraud controls.
Prices are collected from the four major UK price comparison websites (PCWs).
Data is delivered via dashboards, raw data extracts, and daily, weekly and monthly insight reports.
Are the quotes accurate?
Yes.
Data collection is fully automated with minimal manual intervention.
We are in regular contact with all four PCWs and have their consent to collect prices from them.
A robust quality assurance system ensures that all prices compared for an individual are on a like for like basis.
Is the data representative?
We regularly compare our risk cohorts against recent quote mix data supplied by PCW partners and use that to drive future recruitment of our new individuals.
This keeps the dataset aligned to real market conditions as they evolve.
*Based on 8 of the top 10 brands appearing in the most competitive 3 positions across the 4 main UK price comparison websites, from Pearson Ham Group’s car insurance consumer panel data between Dec 22 & Feb 23. Click here for more detail on Market Pricing from Defaqto.