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The client

Envest is one of Australia's largest and fastest-growing insurance groups, operating a multi-brand strategy built through acquisition of insurance brokers and underwriters. Two of their underwriting agencies - Club 4x4 and KT Insurance - required pricing and product rule capabilities that could adapt quickly to changing market conditions and new product models.

The challenge

Envest's underwriting brands operate on the incumbent policy admin system. As the group grew and its product lines evolved, the brands needed greater agility in how they defined and updated their pricing models. Specifically, they needed the ability to externalise rating logic into a system where the intellectual property embedded in their pricing models could be visually expressed, understood by the business, and modified without development cycles.

What we did

For both Club 4x4 and KT Insurance, Digital Experience Labs developed rating engines on the Decisions platform that integrate with the incumbent policy admin system. The pattern is consistent across both brands: the incumbent policy admin system hands off the rating process to Decisions for premium calculation, including product-specific rules. The pricing models and product rules are expressed visually in Decisions' no-code environment - making the IP that drives each brand's pricing transparent and modifiable by the business. Changes to pricing models can be made and deployed faster, without requiring development effort.

The outcome

Both Club 4x4 and KT Insurance now operate with externalised rating engines that give them faster time to market for pricing changes and greater visibility into the logic that drives their products. The pricing IP that is central to each brand's competitive position is now visually expressed and controllable by the business. The relationship with Envest has been running for several years and continues as an active engagement.

Client voice

"This project has been a success. I'd like to thank all involved, in particular Deb, for your thorough analysis and ability to work with us so effortlessly into bringing this rater into Decisions. How exciting that we get to do it all again!"
- Senior Technical Business Analyst, Insurance Group

Key facts

Client
Envest (Club 4x4, KT Insurance)
Industry
Insurance (underwriting agencies, multi-brand group)
Location
Australia
Engagement
Process design, rating engine development and integration (ongoing)
Service lines
Intelligent Automation & Decisioning, Process Automation & Integration
Platform
Decisions, integrated with the incumbent policy admin system

What this demonstrates

We find the problem worth solving. As insurance groups grow through acquisition, pricing agility becomes a strategic capability. Externalising rating logic gives each brand the ability to move independently and protect its pricing IP.
We bring solutions you didn't know existed. No-code rating engines where the business can see, understand, and modify the pricing models that drive their products - without touching code.
We own the outcome. A multi-year relationship with one of Australia's largest insurance groups, delivering the same proven pattern across multiple brands.
Work with us

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