Price the property, not the form.
Fabric, environmental context, rebuild cost, and occupancy — for any UK address, before the customer reaches question three. Propalt gives underwriting and pricing teams the data layer behind accurate quotes and fewer surprises at claim time.
The Problem We Solve
Home insurance is priced on what the customer remembers about their property — year built, wall type, prior claims, whether the cellar floods. Most of that is guessed, half-remembered, or quietly omitted. Quote forms grow longer to compensate; drop-off climbs; the customers who do complete are the ones least worried about being honest. Adverse selection follows.
The Propalt API gives underwriting and pricing teams environmental risk indicators (coal area, mining area, area-level crime context); property fabric data including wall type, roof, age band, and floor area; occupancy and tenure signals; rebuild cost inputs; and ownership-change patterns used in fraud screening — in one call, for any UK address. Pre-fill what the customer shouldn't have to know.
What You Can Build
Six common patterns built on Propalt by underwriting, pricing, and claims engineering teams today.
Sub-second quote prefill
Replace 30 quote-form questions with one API call. Return wall type, roof type, year-built band, floor area, and environmental context before the customer finishes typing their postcode.
Property-level environmental signals
Layer coal-area, mining-area, and area-level crime context onto every quote — not just the postcode average. Reduce mispricing on borderline streets where environmental risk varies block by block.
Rebuild cost estimation
Generate sum-insured estimates from floor area, construction type, and regional rebuild rates. Catch under-insurance at quote stage, not at total-loss stage.
Occupancy and let-status detection
Surface signals that an "owner-occupied" application is actually a let — ownership through a limited company, recent transaction pattern, multiple-postcode landlord, and a stronger let-status check via audience-letting-property. Cut undisclosed-material-fact losses.
Renewal risk re-scoring
Re-score every property in the book before renewal — flag those where environmental signals, occupancy, or ownership changed since last inception. Price the right risks, lose the wrong ones.
Claims fraud triage
Pull ownership churn patterns, recent transactions, and area-level crime context to triage claims at first notification. Surface the cases that need investigation, not the ones that don't.
Key Endpoints for Insurance & Risk
These 10 endpoints cover > 90% of insurance and risk workloads. Browse the full 36-endpoint directory for everything else.
Example API Response
A full underwriting prefill — fabric, environmental context, occupancy, and ownership history for a single address in one call.
{ "property_id": "prop_3e1b08", "uprn": "100023456789", "address": "27 Mowbray Road, Manchester M14 5BS", "tenure": "Freehold", "property_type": "Semi-detached", "bedrooms": 3, "fabric": { "year_built_band": "1930-1949", "wall_type": "cavity", "roof_type": "pitched_tile", "floor_area_sqm": 89, "stories": 2, "extensions_detected": 1 }, "environmental": { "coal_authority_area": "false", "mining_area": "false", "area_crime_per_1000": 68, "area_crime_band": "national_average" }, // Peril scoring (flood / subsidence / escape-of-water) is NOT // in the current catalog — see TODO in Section 02 and the build // card for the product roadmap flag. "rebuild_cost": { "estimate_gbp": 218000, "method": "ABI_BCIS", "confidence": "high" }, "occupancy": { "signal": "owner_occupied", "confidence": "high", "evidence": ["single_title_ownership", "no_companies_house_link"] }, "history": { "ownership_changes_60mo": 1, "last_sold": { "price": 245000, "date": "2022-08-14" }, "claims_indicators": "null" } }
Every UK address. Pre-filled. Risk-scored. One API.
Free tier · 500 credits / month · No credit card.