Marshmallow Insurance, an auto insurance provider focused on people moving to the UK, has signed a multi-year data partnership with Percayso Inform, a behaviour analytics and risk segmentation specialist, and TransUnion, a credit analytics solutions provider.
The three-year agreement, completed for an undisclosed sum, marks the first time Percayso Inform has delivered TransUnion bureau data across the insurance and auto-finance sectors through its platform. It also represents the first joint client win for Percayso Inform and TransUnion, who have separately signed an initial four-year agreement they regard as the foundation of a long-term strategic arrangement. Alongside the new deal, Marshmallow has also renewed its existing vehicle data licence with Percayso for a further three years.
The arrangement combines Percayso Inform’s analytics and risk segmentation capabilities with TransUnion’s TrueVision credit solution. Through a single integrated platform, Marshmallow will be able to assess risk at the point of quote, renewal and claim within its insurance business, and evaluate credit suitability and affordability within its auto-finance operations. The solution is also designed to improve underwriting through richer data insights and greater consistency across customer interactions.
Percayso Inform’s role in the partnership is to act as a single integration layer, enabling third-party credit bureau data to flow seamlessly into insurance and auto-finance workflows. The arrangement also allows for the future adoption of additional Percayso insurance intelligence solutions.
Marshmallow Insurance head of partnerships Mark Shields said: “Marshmallow chose Percayso to deliver their bureau requirements for their insurance and auto-finance based on Percayso’s proven ability to deliver both rapid and accurate results, no matter how complex the requirement.
“This partnership will support Marshmallow’s continued growth and scaling needs across the insurance and auto-finance markets, and Percayso’s role as a key data partner in that journey. The adoption of credit and Percayso insights will allow Marshmallow to provide more accessible and affordable financial products.”
Percayso Inform client director Chris Traill said: “This partnership represents a significant, multi-year commitment from Marshmallow, reflecting the strategic importance of Percayso’s data orchestration capabilities within their business.
“Percayso has demonstrated proven speed and agility in delivery, has a strong-track record in delivering complex, multi-source data solutions accurately. We also have a deep understanding of insurance and auto-finance requirements. With the increasing importance of real-time, multi-source data in underwriting and lending decisions, Percayso offers an innovative data orchestration layer that delivers faster decisions, better pricing accuracy, and improved customer experience.”
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