Coverage structures
What is actually covered, in comparable form.
- Covered perils and benefits
- Limits and sub-limits
- Optional add-ons and their scope
- Territorial and duration limits
- Tier and product line mapping
Published policy structures and exclusions, without faking quote requests.
Most insurance data vendors quietly generate synthetic quote requests with invented personal details. That produces premiums for people who do not exist, and it is both a terms problem and a data quality problem. We work from what insurers actually publish.
Free pilot on your own sources, returned in 48 hours. No card, no trial clock — and you keep the sample data either way.
Last verified 5 August 2026 by the Actowiz Solutions Data Engineering team.
Insurance data scraping is the automated collection of publicly published insurance information: product and tier structures, coverage details and limits, excesses, exclusions from policy wording documents, published fee schedules, product information documents and regulatory disclosures.
What it is not, in our practice, is the generation of premiums. That distinction deserves explaining because it is the main way insurance data vendors differ.
Individual premiums are not published. They are calculated per applicant from personal details submitted to a quote engine. To obtain premiums at scale, a vendor must submit fabricated applicant details — invented ages, addresses, vehicles, claim histories — repeatedly.
We decline this work. It costs us business and it is the right call.
Coverage and exclusion comparison, which is where products genuinely differ and where the analysis is thinner than pricing analysis. Two motor policies at similar premiums can differ materially on windscreen cover, courtesy car provision, EU cover days, personal belongings limits and young driver excess — and those differences are all published.
Fee schedules matter for the same reason: policy admin, mid-term adjustment and cancellation fees materially affect total cost and are published but rarely compared systematically. Document version tracking then reveals when a competitor quietly narrows cover or adds an exclusion.
Coverage and exclusion structuring is the largest use case, because pricing comparison is not legitimately available.
What is actually covered, in comparable form.
Where products genuinely differ.
Total cost beyond the premium.
Published wording, tracked over time.
Who is in the market, with what.
Regulated publications, structured.
A managed engagement, not a tool licence. We own the pipeline and everything that breaks in it.
Every engagement delivers a documented schema. These are the core fields; the full dictionary runs to 130+ and varies by product line.
| Field | Type | What it captures | Refresh |
|---|---|---|---|
insurer / insurer_id |
string | Insurer as published and a stable identifier for longitudinal joins | Every run |
product_line / product_name / tier |
enum / string | Normalised line, the insurer's product name and tier positioning | Weekly |
coverage |
object | Covered benefits with limits and sub-limits, keyed by normalised benefit name | Weekly |
excess_standard / excess_variants |
decimal / object | Standard excess and scenario-specific excesses such as young driver | Weekly |
key_exclusions |
array | Exclusions extracted from policy wording, normalised into comparable codes | Weekly |
fees |
object | Published fee schedule keyed by fee type, from documents rather than marketing pages | Weekly |
optional_addons |
array | Available add-ons with their scope and any published pricing | Weekly |
doc_version / doc_effective_from |
string / date | Document version identifier and effective date, for change tracking | Weekly |
source_ref |
string | Reference to the document and page each extracted term came from | Every run |
filing_type / period |
enum / string | For regulatory disclosure collection, the filing class and reporting period | Per filing |
change_flags |
array | Detected differences versus the prior document version, at clause level | Weekly |
Exclusions are normalised into comparable codes rather than delivered as free text, because comparing exclusions across insurers is the point and free text does not support it. The original wording and its page reference are retained alongside.
Insurance is intensely national and regulated. Coverage is built market by market and line by line.
Quoted premiums are excluded from every engagement. Where a client needs premium benchmarking, market study publications from regulators and licensed industry data are the legitimate routes, and we will say so. Request a source we don't list →
We deliver into 40+ countries. These are the markets where this particular service is requested most, and the reason demand concentrates there.
| Market | Why demand concentrates here |
|---|---|
| United Kingdom & Ireland | Product information documents are standardised and published, which makes structured coverage and exclusion comparison genuinely viable. |
| Germany, France & Netherlands | Strong disclosure requirements and detailed published policy wording, widely used for proposition benchmarking. |
| United States | State-level filing regimes make some rate and form filings public, though availability varies considerably by state and line. |
| United Arab Emirates, Saudi Arabia & India | Fast-growing insurance markets where structured competitive product data barely exists yet. |
We run production collection across 40+ countries. Coverage depth varies by market and by source, so we confirm what is actually available for your specific markets during scoping rather than claiming uniform global coverage. Ask about a market we don't list →
Insurer product teams and insurtech dominate, with brokers, reinsurers and regulators following.
Competitor coverage and exclusion changes happen through document updates that nobody monitors systematically.
Structured coverage and exclusion comparison across your competitor set with clause-level change detection on document versions.
Product competitiveness
You need to know how competitors construct cover and where they have narrowed it, since that explains premium differences.
Coverage limits, excess structures and fee schedules extracted from published documents with page-level traceability.
Proposition win rate
Your product needs structured coverage data across insurers, and maintaining document extraction is not your differentiator.
A maintained coverage and exclusion feed with document versioning and change detection, delivered on schedule.
Comparison completeness
Advising clients requires comparing what policies actually cover, not just what they cost.
Comparable coverage and exclusion data across insurers by line and tier, with fees included in total cost view.
Advice quality
Assessing cedent portfolios needs an independent view of the cover being written in the market.
Market-wide coverage structure and exclusion panels by line and territory, tracked over time.
Portfolio insight
Assessing product value and cover narrowing across a market requires harmonised published terms data.
Harmonised coverage, exclusion and fee datasets with source references, suitable for market study work.
Analysis coverage
Four patterns, with the outcome each is judged on.
Coverage benefits, limits, excesses and exclusions are extracted from published documents and normalised into comparable fields, so products can be compared on what they actually cover rather than on marketing summaries.
Outcome: Product positioning assessed on structural cover differences rather than on premium alone.
Policy wording documents are versioned and compared at clause level, so a competitor adding an exclusion or reducing a limit is detected as an event with the specific clause identified.
Outcome: Competitor cover changes caught when published instead of during a periodic review.
Published fee schedules — admin, mid-term adjustment, cancellation, instalment charges — are extracted from documents and attached to product records.
Outcome: Cost comparison reflecting fees that materially affect what customers pay but rarely appear in headline comparison.
Insurer product line presence is tracked over time with new product and tier launches detected, alongside public regulatory register status.
Outcome: Market entry and product innovation visible as it happens rather than through trade press.
Clients rarely permit naming. These are real engagement shapes with identifying detail removed, so you can judge whether the work resembles your situation.
Competitor monitoring tracked pricing and marketing pages, so a policy wording change that added an exclusion went unnoticed until it appeared in a broker conversation.
Policy wording versioning with clause-level change detection, exclusions normalised into comparable codes with original wording and page references retained.
Cover changes across the competitor set began surfacing at publication with the specific clause identified.
The platform compared products using insurer marketing copy, which described benefits without limits, sub-limits or exclusions.
Structured coverage with limits and sub-limits, excess variants by scenario, and exclusions extracted from published wording documents.
Comparison moved onto published policy structure rather than marketing description.
Examples are anonymised at client request. Named references are available on request under NDA. See published case studies →
Before you commit to anything, we run this service against your own sources and send you the output. If the coverage isn't there, the sample will show you that too — which is the point. We would rather lose the deal at the pilot than at month three.
Same collection pipeline and same QA underneath. The difference is who holds the schedule and how the data reaches you.
We own the collection, the QA and the delivery. You receive clean data on a schedule and never touch a scraper.
Best fit: Teams who need the data, not the infrastructure.
The same collection pipeline exposed as an authenticated REST endpoint your systems query directly.
Best fit: Product and engineering teams building on live data.
A defined pull for a specific question — market sizing, diligence, a pitch, a one-off audit.
Best fit: Research, strategy and diligence work with a deadline.
Every engagement is quoted individually, because the honest answer depends on your scope: how many sources, how many records, how often, and how the data reaches you. We scope it with you, run a free pilot on your own sources, and then quote a fixed monthly figure — no per-request metering and no overage billing when volumes move. Request a quote and you will have a number after one call.
Policy wording extraction with clause-level change detection is specialist work, and it never stops.
| Consideration | In-house scraping team | Generic proxy / DIY tool | Actowiz managed feed |
|---|---|---|---|
| Time to first usable data | 6–12 weeks of engineering before anything is trustworthy | Days, but output needs manual cleanup before use | Free pilot in 48 hours, production in 5–10 business days |
| Who fixes it when a source changes | Your engineers, at the cost of their roadmap | You do — tools report failures, they don't resolve them | We do, same business day, inside the retainer |
| Data quality assurance | Whatever your team has time to build | None beyond HTTP success | Schema validation plus sampled human QA on every run |
| Compliance documentation | Rarely produced, then requested urgently by legal | Not provided; terms risk sits with you | Sources, method and lawful basis documented for review |
| Accountability | Distributed across a team with other priorities | A support ticket queue | A named engineer and an account owner |
| True annual cost | Engineer salaries, proxies, hosting, ongoing maintenance | Low licence fee plus significant hidden analyst time | One fixed monthly retainer, quoted after scoping |
Buyers arrive wanting premium data. It is understandable and it is not the most useful thing available, even setting aside how it would have to be obtained.
A premium is a function of the applicant. Two insurers quoting the same synthetic applicant differently tells you about their rating of that one point in a multi-dimensional space. It does not tell you their appetite across a portfolio, and it certainly does not tell you why they differ.
Clause-level change detection is what makes this operational. When a competitor republishes wording, we identify the specific clauses that changed rather than reporting that a new version exists. Product teams act on the clause, not on the version number.
For premium benchmarking specifically, regulator market studies and licensed industry data are the legitimate routes, and we point clients there rather than manufacturing a substitute.
Policy wording documents are written by lawyers to be precise and defensible, not to be parsed. Extracting comparable structure from them is the technical core of this service and it is genuinely difficult.
Exclusions are normalised into comparable codes so cross-insurer comparison works, with the original wording and a page-level source_ref retained alongside every code. Nothing is delivered as a bare classification you cannot audit back to the document.
Our extraction rate is around 92.8%, and where confidence is low the field is flagged rather than populated. In insurance, a wrongly coded exclusion is worse than a gap: it could inform a proposition decision or, worse, advice. We publish the rate rather than a rounded claim precisely because the residual matters.
Lines, markets and insurer set are scoped first, and any premium benchmarking requirement is identified and ruled out before contracting.
You send us target sites, regions, SKUs or keywords. We return a field-level schema proposal, coverage estimate and refresh recommendation — usually within two working days.
We extract a real sample from your actual targets so you can inspect field fill rates, edge cases and match quality before any commitment.
Our engineers build extractors, then wire validation rules: type checks, range checks, duplicate detection and golden-record comparison against a manually verified subset.
Feeds run at your chosen cadence and land in the warehouse or bucket you already use. Schema changes are versioned and announced before they ship.
We watch coverage drift, fill rates and source changes daily. A named engineer owns your account, and layout breaks are fixed by us — not queued for you.
JSON, JSONL, CSV, Parquet or XLSX, delivered to Amazon S3, Google Cloud Storage, Azure Blob, SFTP, Snowflake, BigQuery, Databricks or a REST/GraphQL endpoint. Webhooks fire on completion, and every batch ships with a manifest containing row counts, schema version and QA results so your pipeline can fail loudly instead of silently ingesting a bad file.
We collect publicly published insurance product pages, policy wording and product information documents, and public regulatory disclosures. We do not submit fabricated personal details to quote engines, generate synthetic premium data, or access broker or insurer authenticated systems. Every extracted term carries a document and page reference.
These are contractual, not marketing copy. They appear in the engagement document.
| Commitment | What we hold ourselves to |
|---|---|
| Pilot turnaround | A real sample from your own sources within 48 hours of scoping, at no cost. |
| Go-live | Production collection running within 5–10 business days of sign-off. |
| Delivery punctuality | 99.5% on-schedule delivery, measured monthly and reported to you. |
| Breakage response | Source layout changes triaged same business day; critical sources inside 4 hours. |
| Data quality | Schema validation on every run plus sampled human QA before any delivery leaves us. |
| Escalation | A named engineer and an account owner, not a shared ticket queue. |
| Change requests | Field additions and source changes handled inside the retainer, not re-quoted. |
| Exit | Your historical data exported in full on request. No lock-in, no export fee. |
Plain definitions of the terms used on this page, so procurement and legal reviewers are working from the same vocabulary as your data team.
What product, pricing and compliance teams ask during evaluation.
No. Premiums are calculated per applicant from personal details submitted to a quote engine, so obtaining them at scale requires submitting fabricated applicant details repeatedly. We decline that work.
It breaches quote engine terms, pollutes the insurer's own conversion analytics with fake demand, produces output of limited validity anyway, and creates exposure that would attach to you. For premium benchmarking, regulator market studies and licensed industry data are the legitimate routes.
Usually by generating synthetic quote requests with invented personal details, at scale. Some are transparent about it; most are not, and describe it as market pricing data.
Worth considering what that means for you: your competitive analysis would rest on data obtained through terms violations, and the premiums would be responses to fictional applicants rather than observations of market pricing. We would rather lose the work than have you find that out later.
What they cover and what they exclude, in comparable structured form: benefits with limits and sub-limits, excess structures by scenario, exclusions normalised into comparable codes, optional add-ons, and published fee schedules.
This is arguably more useful than premium data. Two policies at similar premiums can differ materially on windscreen cover, courtesy car, EU cover days, personal belongings limits and young driver excess — and those differences explain the premium gap rather than just observing it.
Yes, and this is one of the more valuable outputs. Policy wording documents are versioned and compared at clause level, so an added exclusion or reduced limit is flagged with the specific clause identified rather than just reporting that a new version exists.
Cover narrowing is a leading indicator of appetite change and it is published before it shows in pricing behaviour, which makes it useful well ahead of any market commentary.
Around 92.8%, and we publish the figure because the residual matters. Where confidence is low the field is flagged rather than populated.
Extraction is hard by design: exclusions are scattered across conditions, definitions and section-specific lists; definitions narrow apparently broad benefits; and two insurers exclude the same thing in completely different language. We normalise into comparable codes while retaining the original wording and page reference, so every code is auditable back to the document.
Yes, where wording is published — commercial property, liability, cyber, marine and cargo among others. Commercial lines are frequently better documented publicly than personal lines because buyers demand wording upfront.
The limitation is bespoke placement: much commercial cover is negotiated with manuscript wording that is never published. We collect standard published wordings and are explicit that these do not represent bespoke placements.
Yes, where published publicly. Public solvency and financial disclosures, regulatory register entries, published complaints data where a regulator publishes it, and public conduct or enforcement notices.
These are published deliberately for public access, which makes them among the more comfortable sources in this category. We structure them with period identifiers and publication dates so longitudinal comparison works across filing cycles.
Not in the deliverable. We collect published product documents and public filings, neither of which contains personal data. We do not submit personal or fabricated personal details anywhere, and we do not collect broker or agent individual contact details.
This makes insurance one of the cleaner categories from a data protection standpoint, provided the vendor is not generating synthetic quotes. That is the practice that introduces the problem, and it is precisely the practice we decline.
We quote individually. The drivers are insurer count, product line count, market count, and document extraction depth — policy wording extraction with clause-level change detection is the labour-intensive component.
A single line across a competitor set in one market sits at the lighter end. Multi-line, multi-market coverage with full wording extraction and change detection sits considerably higher. One scoping call, a free pilot on your own competitor set within 48 hours, then a fixed monthly quote. Request a quote.
Send us a line and a competitor list. We return structured coverage, exclusions and fees with page references within 48 hours.
Free pilot, no card, no obligation. We will not include premiums, and we will explain why on the call.Our web scraping expertise is relied on by 4,000+ global enterprises including Zomato, Tata Consumer, Subway, and Expedia — helping them turn web data into growth.
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