DATA PRODUCTS

Better data in. Better decisions out.
Reduce noise. Improve prediction.
Compete with confidence.

Pebbles data products give pricing and underwriting teams clean, granular enrichment for Motor and Home insurance.

They combine detailed postcode and vehicle files that have data features engineered to work directly with pricing models. These include our Peril Risk Scores and a unique Market Premium Score.

Each product is curated, quality controlled and tested in live pricing environments. They have been designed to work directly with risk and market models, so your teams can focus on building and deploying models instead of months of data preparation.

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UNLOCK
PRICING
POTENTIAL

Whole-of-market perspective — Granular postcode and vehicle data helps you see risk, opportunity and performance variation that portfolio data alone can’t show.

Proven uplift, not just theory — Pebbles features have delivered measurable improvements in predictive performance and pricing outcomes when tested against commonly used enrichment variables.

Stronger pricing models — Accurate, complete, clean data. No blank values, corrected abnormal values and consistent formats.

Regular, structured updates — Data is refreshed on a regular cycle, with new vehicles and postcodes assessed and implemented.

Model-ready from day one — Clean, structured datasets designed to slot into existing pricing and underwriting frameworks without heavy cleansing, workarounds or reengineering.

Engineered motor risk features — With harmonised variables and consistent categorical groupings, so you don’t have to build the basics yourself.

Better data in. Better models, safer decisions and more competitive pricing out.

I engaged Pebbles to conduct a review of pricing and underwriting capabilities.
The brief was specific to pricing and underwriting, and they delivered the objectives to a tight timetable.
Throughout the whole process Dan and Sherdin listened to us and kept to the brief. They kept an open mind and were very transparent and honest in their thinking and working.
They outlined their opinions on best practices and gave clear examples of where we stood relative to their view which enabled us to prioritise and invest in the required areas.

Nika Lee

Chief Underwriting Officer

We needed some extra support to get our new rating structure built, Pebbles listened to our needs and provided the right level of support and applied the necessary diligence in improving data and building the burning cost models.

Great to work with a firm that does what's been agreed without fuss.

Justin Clarke

Chief Underwriting Officer

I asked Pebbles to rebuild our Home insurance optimisation algorithms. Their collaborative approach, led to an easy integration across my teams, and delivered the project within the expected timescales, budgets. Generating significant benefit uplift across multiple metrics

Jon Wilshire

Chief Underwriting Officer

Sherdin provided interim support running the UK Retail pricing team covering all of personal, commercial (SME) lines. Alongside this he developed the business case, and initial design for a new rating engine. During his time with us, he developed the team skills, supported our recruitment drive, and successfully supported the tender of a number of new and existing schemes. His contribution and willingness to get involved has made him a trusted advisor, providing leadership support to me and the rest of the team

Hannah Wilde

Head of Portfolio
Underwriting and Pricing

Explore our products

DATA PRODUCTS

Precise, quality data for all pricing models.

Better inputs, simpler models, stronger pricing decisions. Clean, granular enrichment designed to strengthen models and free teams from data preparation.

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MARKET PULSE

Know exactly what the market is doing, every day.

Daily market pricing insight, powered by PCW quote data, to help pricing and underwriting teams act earlier and explain change.

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ADVISORY SERVICES

Experienced pricing support that delivers.

Practical advisory work across pricing, underwriting, product and commercial decision-making, delivered by seasoned professionals.

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Our data has supported measurable improvements in pricing performance, including faster execution and material reductions in loss ratio and COR for selected clients.

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Registered Address: International House, 36-38 Cornhill, London EC3V 3NG. Company reg number 13458976.