Multi-Policy Operating Model
Powered by Strata · Hummingbird · RTP
Internal-to-external explainer: How CDL’s Multi-Policy capability helps insurers move from policy-centric to customer-centric operations — increasing policies per customer, reducing marginal acquisition cost, and creating joined-up servicing inside the existing Strata estate.
CDL Multi-Policy connects them into managed portfolios — on your brand, your panel, inside the proven Strata estate.
Drive policies per customer from ~1.3 to 1.5 while materially lowering marginal acquisition cost.
UK personal lines insurers are being squeezed on five fronts:
Multi-Policy turns owned customer relationships into an operating model for profitable growth.
A branded portfolio journey: recognised once, priced consistently, serviced through one account.
Logs in
Existing customer enters your branded portal (authenticated).
Portfolio recognition
Hummingbird identifies the customer and the cross-product opportunity.
Relevant offer
Next product appears with pre-filled data and approved defaults.
Joined-up pricing
Real-time multi-policy discount applied via RTP.
Single purchase
Buys policy #2 and sees a unified portfolio immediately.
Ongoing management
One payment rail, aligned renewals, consolidated service and communications.
Illustrative economics for UK personal lines books. The sizing session replaces assumptions with your book, panel and retention data.
Inputs: Current book size | Current PPC | Target PPC | Retention uplift | Avg premium
Outputs: Additional policies | Incremental GWP | CAC savings | Payback period | Margin impact
Illustrative only — final figures require your book data and panel assumptions.
Operating result: higher GWP, lower blended CAC, stronger retention and lower cost-to-serve.
The core platform, pricing engine, enrichment layer and customer portal already operate inside one CDL estate.
That single-estate integration is what makes multi-policy operational at scale — not just a presentation layer.
Capability status across the CDL estate, separated from insurer-specific rollout work.
| Capability | Status | Notes |
|---|---|---|
| Unified customer view across policies | Proven in production | Strata + Portal |
| Real-time portfolio recognition & matching | Proven in production | Hummingbird enrichment |
| Real-time pricing with portfolio memory (RTP) | Proven in production | Consistent multi-policy decisions |
| Single payment & aligned renewals | Configurable today | Orchestration layer |
| Branded customer journey & portfolio view | Proven in production | Quote & Buy + Portal |
| Discount & eligibility rules | Configurable today | Per insurer / product |
| Advanced analytics & optimisation | Roadmap / project | Continuous tuning post launch |
Production evidence and anonymised client metrics available in sizing sessions.
Multi-Policy turns your existing book into the highest-intent acquisition channel you own, with portfolio servicing built into the same operating model.
CDL cross-sell figures reflect marginal compute, enrichment and journey cost only — exclusive of platform licence.
Model the move from single-policy customers to managed portfolios.
Quote & Buy, Portal, RTP, Hummingbird and Strata work as one estate, so the proposition can be governed as an operating model rather than a channel campaign.
An existing customer is recognised, enriched, priced and bound as a portfolio customer, with payment allocation handled behind the scenes.
A single logged-in surface for policies, MTAs, savings, renewals, documents and payments, built to shift demand into self-service.
The offer only works if eligibility, discount, fees, instalments and customer-facing explanations are consistent across channels and repeat quotes.
Adjust the levers and see the customer-facing explanation update in real time.
The proposition is not a bundle message. It is a portfolio operating model that improves value, service and retention in the same motion.
| Lever | Customer effect | Operating effect |
|---|---|---|
| Visible saving | RTP writes the saving into quote results, documents and email templates. | Policy #2 has a clear reason-to-buy without a new media campaign. |
| One payment rail | Combined payment with per-policy allocation handled behind the scenes. | Fewer failed handoffs, clearer accounting and simpler customer support. |
| One servicing surface | Documents, MTAs, renewals and payments are managed from one account. | Higher self-service adoption and lower duplicate contact load. |
| Renewal alignment | Eligible policies can renew as a portfolio rather than isolated events. | Better retention control during renewal-month price comparison pressure. |
Model cross-sell uplift using your book, panel, products and retention data.
Define quote journeys, RTP rules, Hummingbird matching, portal surfaces and communications.
Launch one product pair, measure conversion and tune pricing, discount and journey design from live data.
Use your panel, products and retention curves to quantify uplift, CAC compression and rollout sequencing.
Identify where your existing book can deliver portfolio growth, lower marginal CAC, and better servicing.