Aviva has expanded its data enrichment capabilities through a multi-year partnership with Percayso Inform, pulling in a broad set of datasets to support both personal and commercial insurance lines.
Under the agreement, Aviva will use Percayso’s vehicle data enrichment tools across pricing, underwriting, and claims.
The insurer plans to apply the data in real time, with enough flexibility to support different operational needs across its UK portfolios, Beinsure stated.
The platform draws on what Percayso describes as the UK’s largest vehicle history dataset. It combines long-term vehicle records with inputs from motor trade retail sales, DVLA, DVSA, and MOT history. The aim is a full view of a vehicle, not fragments stitched together later.
For Aviva, the attraction sits in granularity. Individual vehicle characteristics feed directly into risk assessment, allowing pricing to move closer to actual exposure rather than broad averages.
According to Beinsure, this type of enrichment increasingly shapes competitiveness in motor lines where margins stay tight.
Matt Fothergill, interim chief underwriting officer for personal lines at Aviva, said the partnership allows the insurer to factor in specific vehicle features and produce premiums that better reflect risk.
Working with Percayso will allow Aviva to take account of individual vehicle features, enabling us to provide more accurate and risk reflective premiums to our customers.
Matt Fothergill, Chief Underwriting Officer, Personal Lines at Aviva
That shift, he said, supports fairer outcomes for customers without slowing decisions.
From Percayso’s side, commercial director David Kelly said Aviva’s decision reflects confidence in the depth and reliability of its data. He said the company focuses on giving insurers insight that improves underwriting accuracy and speeds up claims handling, not just adding more information for its own sake.
“We’re dedicated to providing the insights insurance providers need to underwrite policies competitively and more accurately and help settle claims quickly and fairly for their customers,” David Kelly commented.
The deal places data at the centre of Aviva’s motor strategy, spanning personal and commercial business. It also shows how insurers increasingly rely on external intelligence to sharpen decisions that once leaned heavily on internal history alone.
