Embedded aggregation for UK personal lines insurance

Broking without the agg .

When your price isn't competitive, Re:New gives you another option. Send us a policy reference and we'll check our insurer panel for a better deal. If we find one, your customer receives the offer in an email from you, and you earn £25 if they buy.

Your brand, front and centre £0 to join £25 per conversion
Coverly <hello@coverly.example>Your car insurance renewal
CoverlyCar insurance

Hi Sam,

Your car insurance is due for renewal on 22 November. Our renewal price is £612.40, but we've found a few alternatives that may be worth considering.

Your alternative quotes

  1. Ashby Direct£439.60a year
  2. Northcote Mutual£455.10a year
  3. Harbour Line£471.90a year

Kind regards,
The Coverly Team

Powered by
ReferQuoteOr bothUncompetitive renewalsDeclined quotesMid-term changesCancellations
The problem

The market deserves a better model .

Traditional aggregators put the customer journey in someone else's hands, often with rising acquisition costs and fees regardless of the outcome. Re:New works with existing providers, uses the risk information they already hold and puts competitive prices back in their hands. No click fees, no competing interests and a fixed acquisition cost when business converts.

Traditional aggregators
  • Acquisition costVariable, often with click fees
  • PaymentCharges may apply without a sale
  • Risk informationUsually entered by the customer
  • Referral decisionCustomer starts the comparison journey
  • Your brandOne of many competing listings
  • The relationshipComparison site controls the journey
Acquisition cost, win or loseVariable
The Re:New model
  • Acquisition cost £55 per policy sold, fixed in contract
  • Payment Only when the customer buys
  • Risk information Retrieved from the referring provider's system
  • Referral decision Provider reviews the price before referring
  • Your brand Front and centre in customer communications
  • The relationship Existing providers remain involved
Per policy sold, only when they buy£55
How it works

Check the market, then refer .

Six straightforward steps from an uncompetitive renewal to a successful referral. We check our insurer panel and return the best available price to you first. You decide whether to proceed, your customer receives the offer in your name, and you earn £25 if they buy.

  1. Identify (current)
  2. Check
  3. Decide
  4. Refer
  5. Choose
  6. Earn
  1. Step 1 of 6

    Spot the opportunity

    An uncompetitive renewal, a declined quote, a mid-term change or a cancellation. When you can't offer the customer what they need, there may be another option.

    CoverlyRenewal due
    Policy
    CVL-0048213
    Holder
    Sam Okafor, PR2
    Vehicle
    Nissan Qashqai N-Connecta DIG-T MHEV
    Renewal
    22 November, £612.40
    Refer to Re:New
  2. Step 2 of 6

    See what the market can offer

    Send us the policy reference as a soft referral. We retrieve the risk from your system, check our insurer panel and return the best available price to you, without contacting the customer.

    POST /car-insurance/webservice/quote-request/json/
    {  "quote": {    "broker_id": "COVL001",    "policy_ref": "CVL-0048213",    "refer_type": "soft",    "consent_obtained": true  }}

    A soft referral: the policy reference, and we retrieve the risk from your system. One figure back.

  3. Step 3 of 6

    You make the call

    See how the market price compares with yours and decide whether to refer. If there's no worthwhile alternative, you're under no obligation to proceed.

    200 OK5 insurers quoted
    {  "success": true,  "best_premium": "£439.60"}
    Best on the panel£439.60Insurer not named
    Your renewal£612.40£172.80 more

    One figure, back to you and not to the customer. Nothing has been sent; the decision to refer is yours.

  4. Step 4 of 6

    Your brand stays front and centre

    Once you approve the referral, we take care of the rest. Your customer receives an email featuring the best available prices, presented in your brand. Re:New stays discreetly in the background.

    Coverly <hello@coverly.example>Your car insurance renewal
    CoverlyCar insurance

    Hi Sam,

    Your car insurance is due for renewal on 22 November. Our renewal price is £612.40, but we've found a few alternatives that may be worth considering.

    The prices below start from £439.60 a year. You can review the options and choose the cover that works best for you.

    Policy holder
    Sam Okafor
    Cover
    Comprehensive
    Vehicle
    Nissan Qashqai N-Connecta DIG-T MHEV

    Your alternative quotes

    1. Ashby Direct£439.60a year
    2. Northcote Mutual£455.10a year
    3. Harbour Line£471.90a year

    Your renewal with Coverly: £612.40

    If you'd prefer to stay with us, your existing renewal offer is still available. Otherwise, you can explore the alternatives above and choose the cover that suits you.

    Kind regards,
    The Coverly Team

    Please review the cover, excesses and policy terms before buying. Quotes are offered by the insurers shown and remain subject to their checks and acceptance.

    Powered by
  5. Step 5 of 6

    The customer chooses what works for them

    They can compare the available options and, if they find something suitable, complete their purchase directly with the insurer.

    Ashby DirectSecure checkout
    Annual premium£439.60
    • Comprehensive cover
    • Cover starts 22 November
    • Bought directly from Ashby Direct
    Pay £439.60
  6. Step 6 of 6

    You earn £25 when they buy

    Every successful referral earns you £25, with payments reconciled monthly. Business you couldn't retain becomes an additional source of revenue.

    Statement, November
    CoverlyReferral fee, 1 policy+£25
    Ashby DirectCost per acquisition, 1 policy£55

    Fixed fees, in contract. Paid and reconciled monthly.

Four triggers

Every lost customer is an opportunity .

An uncompetitive renewal, a declined quote, an unacceptable mid-term adjustment or a cancellation. Four situations where you risk losing the business, each with an opportunity to offer the customer another option. Explore each scenario to see what your customer receives, with your brand remaining front and centre.

The situation

Your renewal price is £612.40, but you know the customer could find a better deal elsewhere.

Before they start shopping around, check our panel. If there's a better price, you can offer it under your own brand and earn £25 if they buy.

POST /car-insurance/webservice/quote-request/json/
{  "quote": {    "broker_id": "COVL001",    "policy_ref": "CVL-0048213",    "refer_type": "full",    "consent_obtained": true  }}

A full referral: the response is an acknowledgement, and we take care of the rest.

Coverly <hello@coverly.example>Your car insurance renewal
CoverlyCar insurance

Hi Sam,

Your car insurance is due for renewal on 22 November. Our renewal price is £612.40, but we've found a few alternatives that may be worth considering.

The prices below start from £439.60 a year. You can review the options and choose the cover that works best for you.

Policy holder
Sam Okafor
Cover
Comprehensive
Vehicle
Nissan Qashqai N-Connecta DIG-T MHEV

Your alternative quotes

  1. Ashby Direct£439.60a year
  2. Northcote Mutual£455.10a year
  3. Harbour Line£471.90a year

Your renewal with Coverly: £612.40

If you'd prefer to stay with us, your existing renewal offer is still available. Otherwise, you can explore the alternatives above and choose the cover that suits you.

Kind regards,
The Coverly Team

Please review the cover, excesses and policy terms before buying. Quotes are offered by the insurers shown and remain subject to their checks and acceptance.

Powered by

Example email. Coverly and the insurers shown are fictional.

For providers

One network. Two ways to benefit .

Refer business you can't place, quote on opportunities from other providers, or do both. Re:New connects the two sides of the market on straightforward commercial terms.

For referrers

Earn from the business you can't keep

Receive £25 for every successful referral. Your customer receives alternative prices in your name, and you remain part of the conversation.

  • £25 for every converted policy
  • Your brand on customer communications
  • Refer by API or CSV upload
For panel insurers

New business. One fixed fee.

Reach customers introduced by their existing provider, using risk information from that provider's records. Pay £55 when you win the policy, not for clicks or leads that go nowhere.

  • £55 per policy sold
  • No click charges or paid placement
  • Risk information from existing provider records
Commercials

Clear fees. No surprises .

A straightforward commercial model where fees are earned when business converts.

£25To the referring providerfor every converted policy
£55From the winning insureronly when the customer buys
£0Setup feenothing to join
£0Monthly minimumno volume commitments
MonthlyReconciliationreconciliation and settlement, with fees agreed in contract
Integration

API or CSV. Your choice .

Whether you're processing individual referrals or thousands of records, Re:New fits around the way you work.

Direct API

Check the market from your own system

Send a policy reference and we retrieve the risk from your system. A soft referral returns the best available price. If you decide to refer, a full referral starts the customer journey, with the email presented in your brand.

quote-request
POST/car-insurance/webservice/quote-request/json/
{
  "quote": {
    "broker_id": "COVL001",
    "policy_ref": "CVL-0048213",
    "refer_type": "soft",
    "consent_obtained": true
  }
}
{
  "success": true,
  "best_premium": "£439.60"
}
CSV upload

Refer in bulk, without building an integration

Upload a file through the provider portal. We'll validate the records, process the referrals and return the outcome for each one.

Drop a CSV of referralsup to 5,000 rows
412 referrals accepted
Trust

Built with accountability in mind .

Insurance referrals need more than a competitive price. They need clear responsibilities, careful handling of customer information and a record of what happened.

  • You're in control

    Checking a price doesn't trigger customer contact. The decision to proceed stays with you.

  • Your brand, throughout

    Customer communications carry your branding, with Re:New acknowledged discreetly in the footer.

  • A clear audit trail

    Submissions and their outcomes are recorded, so you can see what was referred and what happened next.

  • Data handled with care

    We use the information needed to obtain quotations and support the referral, with appropriate safeguards and retention controls.

  • Transparent commercials

    Fixed fees, clear reporting and no pay-per-click charges.

  • Customer outcomes matter

    Alternative prices give customers another option. The cover, terms and suitability of each quote must still be considered before purchase.

Vision

Built for a more connected insurance market .

Every provider encounters business it can't write or retain. That doesn't mean another insurer wouldn't want it.

Re:New makes it easier to connect those opportunities with the right providers, creating value for referrers, new business for panel insurers and more choice for customers.

  • MotorAvailable now
  • HomePlanned
  • VanPlanned
  • MotorbikePlanned
BrokerInsurerMGABrokerInsurer
Get started

Make more of the business you can't keep .

Whether you want to refer customers, join our insurer panel or do both, we'd like to hear from you.

No setup fees No monthly minimums
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