Commoditised, high volume
Pricing that runs itself, at aggregator volume
Motor, home, pet, travel, gadget and embedded cover. Ptally serves deterministic prices over API, aggregators, embedded forms and AI chat in milliseconds, with no one in the loop. It's how every product on Ptally is priced today.
Thousands of quotes. Accurate to the cent.
Every request runs your published model, applies its rules and returns a price or a decline. Each one is stored with its inputs, result, channel and model version.
What it takes
Small premiums, big volumes, no room for error
Commoditised products win on price, speed and reliability. The rating engine has to be fast and exact, and changing it has to be safe.
Deterministic
The same price, every time
A quote depends only on its inputs and the live model version. Ask again tomorrow and you get the same answer, which is what aggregators, regulators and your finance team expect.
Low latency
Milliseconds, at peak
Price comparison traffic comes in bursts. Ptally returns prices in tens of milliseconds and keeps doing so at peak aggregator load.
No one in the loop
Every quote settled on the spot
Declines, referrals, excesses and endorsements are rules in the model, so each quote is decided the moment it's asked for. Nobody has to look at it.
Thin margins
Cheap, safe rate changes
A single-trip travel policy can't carry a pricing team. Rate changes have to be quick to make, tested before they go live and easy to roll back.
How it works
One model, served everywhere
Our consultants build your rates and rules from your rating guide or spreadsheets. Then the same model serves every channel, and every change is tested first.
Serve
Aggregators, your website, partner apps and AI assistants all call the same published model. The price on a comparison site matches the price on your own site.
Change safely
Every rate change runs against your regression suite before anyone approves it. You see exactly which prices moved and by how much, and the previous version is one click away.
Built for scale
Live on price comparison websites today
Every Ptally customer prices this way.
50M+quotes served, with millions more every month.
Liveon price comparison websites, returning real-time prices at peak aggregator traffic.
0people needed to settle a quote. Rules decide, and every decision is recorded.
Three ways to price
Commoditised, commercial or annuity?
The same engine prices all three. What changes is where the inputs come from and who makes the final call.
Commoditised, high volumePersonal lines and embedded coverYou're hereCommercial and specialityFleet, property, liability and specialityFind out more →AnnuityStandard and enhanced, priced from documentsFind out more →
InputsStructured, from forms and APIsBroker submissions, schedules and loss runsHealth questionnaires, prescriptions and pension statements
Who decidesThe model, with no one in the loopAn underwriter or broker, working in an AI clientThe model prices. Underwriters review referrals and evidence
The priceFinal, in milliseconds, the same every timeA technical price in minutes, to adjust within authorityQuoted on the basis in force, guaranteed for a period, rechecked at completion
What's recordedEvery quote, with its inputs and model versionEvery quote, amendment and model changeEvery field and its source page, the basis version and the hash at signature
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