Case Studies

Motor Insurance Underwriter

Financial Services & Insurance
luxury car with focus on the handle to represent Factor Sales


  • Insurer with strong record on intermediated products, keen to improve performance in the direct-to-consumer market
  • Pricing team operating without retail mindset and processes, focus on mathematical rigor in models over understanding competitive context and driving commercial value.
  • Imminent regulatory intervention into pricing practices, requiring industry-wide changes to insurer ‘price walking’ strategies


  • 45 recommendations sequenced to deliver +8.9% incremental margin as % of sales
  • New elasticity methodology, enabling more accurate predictions and better pricing decisions
  • Tailored pricing strategy and support on how to respond to market uncertainty when the legislation is enacted
  • Operating model developed to produce best-in-class daily trading function with an agile pricing team, clear governance procedures and detailed process maps
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