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As UK insurers, brokers and distributors face increasing pressure to control operating costs, improve customer engagement and bring new products to market faster, digital-first and technology-enabled insurance models are gaining traction. Zen Insurance is launching in the UK at a time when speed, efficiency and product choice are becoming key differentiators for digital-first brands.
One Call is launching Zen Insurance in the UK using Verisk Ignite’s end-to-end policy management platform, working alongside Applied Systems Europe’s Applied Rating Hub to support insurer connectivity.
Zen Insurance, a new brand under One Call, will offer a no-touch, fully digital customer experience. The service is designed to let consumers manage their policies through online portals, live chat and self-service interactions.
One Call said the online operating model is intended to enable the business to pass along cost savings through competitive customer pricing offered by Zen Insurance.
“Our customers want an easy-to-use platform with seamless transactions and self-service options, and Zen Insurance will deliver just that,” said Josh Barnsdale, Chief Technology Officer at One Call. He added that Verisk Ignite provides an end-to-end policy management system and Applied Rating Hub provides real-time access to an insurer panel, enabling One Call to bring Zen Insurance to market with speed and agility.
Verisk Ignite, a cloud-based policy management platform, will power the brand. Ignite supports the full policy lifecycle, from quote and bind through to mid-term adjustments, renewals, documentation and billing. The platform is positioned as enabling high levels of automation while reducing operational complexity associated with launching new insurance brands.
Applied Rating Hub provides a single connection to a marketplace of 30+ personal lines insurers and Managing General Agents (MGAs), featuring more than 100 products. It also supports full-cycle Electronic Data Interchange (EDI) trading across the UK insurance industry. One connection to multiple insurers is intended to reduce integration complexity and operational bottlenecks, helping businesses reach the market faster and offer customers greater choice.
Zen Insurance begins with car insurance, supported by technology intended to provide flexibility across other vehicle categories and home insurance.
“Launching a true customer-first and fully digital insurance solution takes more than a strong front end, it requires process automation and robust, digitally enabled workflows across the entire insurance lifecycle to put real control in the hands of the policyholder and deliver a market-leading customer experience,” said Nick Haldane, Managing Director of Verisk Ignite.
Haldane said the market’s move toward automation makes it valuable to streamline processes, reduce manual intervention, give policyholders more control and respond quickly to change. He added that Verisk’s end-to-end policy management platform is enabling brands like One Call’s Zen Insurance to enter the market quickly while delivering the flexibility and efficiency customers expect.
Matt Wellman, senior director of Enterprise Accounts & Insurer Relationships at Applied Systems, said digital insurance brands need to enter the market quickly and with genuine product choice to compete effectively, which requires removing friction from insurer connectivity. He said the collaboration shows how a single connection to Applied Rating Hub can accelerate go-to-market for a fully digital brand.
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