Knowledge is Power is Money

Board Briefing - Insurance EBITDA Recovery

The
EBITDA
Pop.

Multi-brand insurance. Disconnected systems. Money pouring through the gaps.
Here's what GBP 42.8M looks like when you finally connect them.

We connect proven facts - inside and outside your organisation. No inference. No guesswork. Your hardware. Your data. We just connect reality.

Cross-section illustration of an insurance company building showing GBP 42.8M annual EBITDA leakage on the left and capture on the right via a connected amber mesh network
Attic
GBP 8-19M
Productivity
Call handlers alt-tab between 6 systems to answer one query.
Floor 3
GBP 8-15M
Churn
Customer leaves one brand. Nobody at the next brand knows to intervene.
Floor 2
GBP 10-14M
Fraud
Same garage, same solicitor, 200 miles apart. Row-based systems can't see it.
Ground
GBP 11-22M
Cross-Sell
Brands don't share customers. Cross-sell is structurally invisible.
Foundation
GBP 42.8M
Total EBITDA Impact
Total annual EBITDA impact. One connected layer. One architect.

Same Layer. More Money.

The building above shows four floors. The connected layer doesn't stop at four. Every function below runs on the same infrastructure - no additional platform cost.

Debt Recovery
Centralised Dunning
GBP 3-6M
per year
Regulatory
Compliance / SAR
GBP 2-5M
per year
Infrastructure
Data Platform Consolidation
GBP 0.8-1.5M
per year

Proven. Not Theoretical.

Every function below has been delivered by at least one enterprise platform (Palantir, Quantexa, Celonis, or equivalent). None of them deliver all of it. We do. GBP 24-64M additional annual EBITDA.

Claims
AI Claims Triage & Automation
GBP 5-12M
per year
Underwriting
Connected Risk Intelligence
GBP 3-8M
per year
M&A
Acquisition Integration
GBP 5-15M
per acquisition
E-Commerce
One Platform, Every Brand Skin
GBP 2-5M
per acquisition avoided
Supply Chain
Supplier & Vendor Intelligence
GBP 2-5M
per year
Distribution
Channel & Aggregator Intelligence
GBP 2-4M
per year
Reinsurance
Portfolio Exposure Optimisation
GBP 2-6M
per year
Complaints
FCA DISP Automated Handling
GBP 1-3M
per year
Regulatory
Automated FCA/PRA Reporting
GBP 1-3M
per year

Strategic Multipliers

These don't just save money. They change how the company sees itself. One dashboard. Every brand. Every customer. Every claim. Money and resources flowing in near-real-time. The connected layer makes the organisation legible to its own leadership for the first time. You don't read a report. You watch the company.

Executive
Morning Brief & Board Intelligence
Strategic
C-suite time recovery
Architecture
Digital Twin of the Organisation
Strategic
Conway's Law made visible
Pricing
Cross-Brand Product Design
GBP 2-5M
cannibalisation avoided
Catastrophe
Connected Cat Modelling
GBP 1-4M
better reserving
Financial Crime
AML / KYC Intelligence
GBP 1-3M
per year
People
Workforce Planning & Talent
GBP 1-3M
per year
Marketing
Cross-Brand Attribution
GBP 1-3M
spend optimisation
Communications
Customer Contact Orchestration
GBP 1-2M
waste eliminated

Who's Already Doing This

These aren't pilot projects. These are production systems generating real returns. Right now. In insurance. The question isn't whether connected intelligence works. It's whether you're building it or watching others build it.

Aviva
80+ AI models in motor claims. GBP 60M saved in 2024 alone.
Source: Aviva 2024 Annual Results; Insurance Times, March 2024
Production
since 2023
Zurich UK
Quantexa graph analysis. GBP 260K per day in bogus claims detected.
Source: Quantexa case study, Zurich UK fraud detection programme
Production
graph-native
Allianz
Project Nemo. 80% claims processing reduction in 100 days.
Source: McKinsey & Company, "AI-powered claims transformation", 2024
Production
100 days to value
Lemonade
55% claims auto-settled. 2,000 customers per employee vs industry average of 200.
Source: Lemonade Inc. SEC filing (S-1); Gartner InsurTech analysis, 2023
Production
10x efficiency
Direct Line
GBP 100M+ platform consolidation. Single customer view across all brands.
Source: DLG Investor Presentation H2 2024; Insurance Insider
In progress
GBP 100M+ budget

Every major insurer in Europe is building this. You can start for GBP 250K - or pay GBP 100M to catch up later.

We Connect Everything

Policy admin. Claims. Fraud. Credit. Rating. Analytics. Aggregators. Government data. Open APIs. Legacy systems with no API at all. If your company uses any of these, we connect them. One layer. One dashboard. One truth.

CDL Strata Guidewire Open GI Acturis Duck Creek SSP INSTANDA ICE InsureTech Applied Epic Shift Technology Quantexa FRISS BAE NetReveal SAS Guidewire ClaimCenter DXC Assure Sapiens FINEOS G360 Databricks Snowflake LexisNexis Experian TransUnion Verisk Earnix Polaris

Plus: DVLA · Land Registry · Companies House · MOT History · CUE · MIB/MID · RedSpot · CIFAS · IFB · ELTO · Electoral Roll · CCJs · EPC Ratings · Flood Risk · Crime Data · ONS · Open Banking · Telematics · IoT · Aggregators

API-Native Systems
REST, GraphQL, XML, SOAP - if the vendor built an API, we connect to it. Same day. 45 systems mapped and ready.
Legacy Systems - No API Required
Green-screen terminals, VB6 apps, mainframe emulators. AI-native CLI bridging turns any software into a connected data source. Nothing is excluded.
DUAA-Enabled Open Data
The Data Use and Access Act unlocks cross-sector sharing. Open Banking, smart data, connected vehicles. What was impossible last year is now legal. We connect it.

If it exists, we connect it. If it flows, we see it. If it has value, we capture it.

GBP 42.8M
Quantified. Conservative.
7 functions. Hard numbers.
GBP 32-86M
17 further functions.
Proven in industry. Same layer.
GBP 75-129M
Total annual EBITDA recovery
24 functions. One connected layer.
"24 business functions. One connected layer. One architect. One AI.
Starting at GBP 250K. Your hardware. Your warranties. We just connect reality.
GBP 75-129M annual EBITDA recovery.
Even at 10% realisation: 30-52x ROI."
30
Separate Shops
No shared stock room. No shared till. Every customer walks in a stranger.
1
One Counter
Every customer known. Every product visible. GBP 75-129M back behind the till.
Palantir charges GBP 3.6M minimum for a single organisation licence plus one engineer. G-Cloud 14, Crown Commercial Service
Quantexa covers 3-5 functions for GBP 1-2M. Quantexa commercial pricing, enterprise tier
Big 4 consultants deliver recommendations, not production systems, for GBP 2-5M per year. Gartner consulting market analysis, 2024

24 functions. Your infrastructure. Your data. We connect it. Starting at GBP 250K.

See Your Numbers

The picture above is the industry. We've already modelled specific insurers - brand names, real systems, actual gaps, first-hand observations. The generic becomes very personal, very quickly.

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