Better data. Lower loss ratios. Higher retention.
Enrich your existing data sources with verified, consent-based, first-party data your policyholders actually submit.
How it works
Not every touchpoint has to be a bill or a claim.
Here's how Ownli turns data collection into a moment your policyholders actually appreciate.
Auto
Verify mileage, garaging, vehicle condition, driver license status, and annual usage patterns — and reward the low-risk drivers you want to keep.
Popular data points
- Mileage
- Garaging location
- Condition
- Driver license status
- Annual usage patterns
+ any data point your line of business needs.
Mileage
47,213mi
You configure it once:
Choose your data points, set them as required or optional, pick your frequency, and define your rewards if you want them. That's your only job. Everything after this is us.
Then we run it end-to-end:
Same five steps across every line of business. You set it once. We run it continuously.
- 01 Request We send a personalized check-in to your policyholder
- 02 Capture We reach your policyholders where they already are (web, member portal, app, etc.)
- 03 Verify Our AI engine validates accuracy and screens for fraud
- 04 Support We handle all customer outreach and follow-up (if necessary)
- 05 Reward If you want to incentivize participation, you decide what — we handle fulfillment
When data is unverified, your best customers pay for everyone else.
Unverified self-reported data treats honest policyholders the same as dishonest ones. The ones who actually earned a better rate get lumped in with the ones who didn't. Leakage isn't just a revenue problem — it's a fairness problem.
Ownli fixes the input. Verified, first-party data means the right people get rewarded, and your pricing better reflects reality.
Your model is only as good as your training data.
Models trained on stale, unverified inputs inherit every inaccuracy in the source. When your training data is verified at the point of submission — directly from policyholders — your model sees reality, not an approximation. Ownli gives you a proprietary data asset that compounds over time.
Whether you're building models today or it's still on the roadmap, the time to start collecting verified first-party data is now. The carriers who move first won't just have better AI — they'll have a dataset their competitors can't catch up to.
Partners
Proof
In production now
Millions
verified first-party data points
Top 50
carriers in production
74%
are more likely to renew with their insurer
Ownli helps us capture and verify real-world data directly from customers — fresher than anything we buy.
While people care more than ever about data privacy, they're willing to share through Ownli because they have full control, clarity on what they're sharing, and understand the value they receive. Their team feels like an extension of ours, enhancing customer experience while delivering valuable data to support our business goals.
Close the leakage your current data can't see. Keep the policyholders your competitors want.
30 minutes with your lines. We'll show you what verified first-party data changes.