Rates you can't change
Weeks of waiting for a vendor to update a rate book means lost quotes, eroded margins and stale prices on the street.
Insurance quoting, rebuilt to be yours
The rating engine brokers control.
Model products, build rating logic out of simple visual blocks, publish a version — and it is live the same day. An authenticated API puts your panel in front of customers at a target of sub-100ms per quote. No vendor waiting list, no black-box engine. Your rates, your logic.
A product demo, not a sales deck. We set up a pre-seeded demo org for you. No credit card, no install.
- 15 composable rating blocks — no code required
- Versioned, effective-dated rates with rollback
- API-first, and built for your integrators
What the engine actually does
- 15 composable rating blocks, composed visually
- <100ms target latency on every quote
- SHA-256 API keys hashed at rest
- Zero quote payloads persisted
The problem
Rate-on-a-spreadsheet doesn't cut it anymore.
Most brokers quote through tools they don't own: rates frozen in a spreadsheet, logic hard-coded by a vendor, or manual emails to underwriters. Every rate change becomes a project, and every product stays a black box.
Black-box rating logic
If you can't see how a price is built, you can't audit it, challenge it, or explain it to a regulator or a client.
No integration story
Your panel sits where your customers can't reach it. Re-keying, faxes and email quoting don't scale past a certain size.
How it works
From blank page to live quote in an afternoon.
Rateable replaces the spreadsheet with a structured pipeline you control end to end.
-
Define your product
Create the product, its quote payload fields and validation — exactly the data your panel needs, with descriptions written for integrators.
-
Build rating logic visually
Compose calculation blocks — add, multiply, lookup, if, round, validation, refer — into a waterfall anyone on the team can follow.
-
Publish, version and integrate
Publish a versioned rate with an effective date, hand out scoped API keys, and quote through a fast authenticated endpoint.
Features
Everything you need to own your rating.
Eight capabilities, built around one idea: the person who sets the price should be the person who can change it, see how it was built, and prove it later.
Visual rating blocks
Fifteen composable blocks — Add, Subtract, Multiply, Divide, Lookup, If, And, Or, Not, Equal, MoreThan, LessThan, Round, Validation, Refer — ordered into an auditable waterfall. No code required.
Versions & effective dating
Every rate change is a version. Draft, publish, forward-date, and take a rate offline when a product leaves the market. Selection is automatic by quote date.
Live rate tables
Upload lookup tables, then edit rows inline as territory codes, fees and risk factors change — without touching the logic that reads them.
Eligibility & referrals
Validation blocks reject what doesn't fit; a Refer block hands borderline risks to an underwriter with a recorded reason — a standard insurance outcome, built in.
A fast, authenticated API
Quote via POST /quotes with an API key. The engine targets a sub-100ms average so quotes feel instant in your customer's journey.
Compliance-safe keys
API keys are hashed at rest with SHA-256, scoped to specific providers, revocable, and can carry an expiry — which is what makes 90-day rotation practical.
Quote-run visibility
Quotes by day, success versus engine errors, and referral counts per product and provider. No raw payloads stored, so no personal data in your logs.
Teams & invites
Invite team members into your organisation, hand out roles, and let everyone work against the same versioned truth instead of emailing spreadsheets around.
Security & compliance
The questions your procurement team will ask.
A rating engine holds your rate logic and sits in your customer journey, so these come up early. Here is what is true today.
Aggregates only
Quote payloads are not persisted. The engine keeps aggregates, so personal data never lands in your logs or ours.
Scoped, revocable keys
Keys are hashed at rest, scoped per provider, and can be revoked or expired without touching your other integrations.
Versioned and effective-dated
Every published rate carries a version number and an effective date, so a quote from six months ago can be traced to the logic that priced it.
Recorded referral reasons
When a risk is referred, the reason travels with it — so the decision is reviewable, not just the outcome.
Being straight with you: we are not yet independently certified, and we would rather say so here than badge it. Infrastructure detail, data residency, the DPA and our certification roadmap all get covered properly in the walkthrough.
Integration
One endpoint. Your integrators will be fine.
Quoting is a single authenticated call. Send a payload, get back a rated panel with the version number that produced it.
-
One endpoint
POST /quotes. No SDK required — it is a JSON request and a JSON response. -
Header auth Keys travel in
X-Api-Key, scoped to a provider so you can separate environments and partners. -
Automatic rate selection Send
quoteStartDate; the engine picks the published version that was effective on that date. -
Every quote is traceable Each returned quote carries its
versionNumber, so a priced panel ties back to published logic.
# Rating a quote: one request, one rated panel back
curl -X POST https://YOUR-API-HOST/quotes \
-H "X-Api-Key: rt-demo-..." \
-H "Content-Type: application/json" \
-d '{
"payload": {
"trade_type": "Electrician",
"annual_turnover_gbp": 185000,
"years_trading": 6,
"claims_last_5yrs": 0
},
"quoteStartDate": "2026-09-10T09:00:00Z"
}'{
"quotes": [{
"providerName": "Severn MGA",
"available": true,
"success": true,
"outputs": {
"final_premium_gbp": 216.00,
"liability_limit_gbp": 1000000,
"excess_gbp": 250
},
"versionNumber": "1.0"
}]
}
Key issued in the admin app
X-Api-Key
Hashed at rest, scoped per provider
POST /quotes
Rated panel + versionNumber
See it run
From rate change to live quote in minutes.
Update a rate, publish a new version, and your panel quotes at the new numbers the same day — no vendor waiting list.
- Change the rateTweak a block or a lookup table.
- Publish a versionEffective now, or forward-dated.
- It's liveYour panel quotes at the new numbers.
For your integrators: the endpoint above is the whole surface. Using the demo
product Tradesman Liability (Demo), a rated request comes back in well under a
second — sub-100ms is the target for the engine itself.
Good questions
Questions brokers ask us first.
How much does Rateable cost?
Every organisation starts on Standard at £249 per month — 1 product, 3 users and 50,000 quotes included. Beyond that it's £95 per month per extra product, £40 per month per block of five extra users, and a progressive per-quote rate that gets cheaper as volume grows. Past 14 products, 29 users or 2M quotes we scope a Custom plan. The calculator above shows your bill at any size.
Where is our data stored?
Quote payloads aren't persisted — the engine stores aggregates only, so no personal data sits in our logs. For infrastructure, data residency and the DPA, ask in your walkthrough and we'll share the details. We've also set out what we do and don't have covered in Security & compliance.
Can we import our existing rate tables?
Not yet — it's something we're working toward. In your walkthrough we'll scope an import for your panel and give you an honest timeline rather than a vague one.
Can we leave and take our logic with us?
Always. You own your products and rate logic. Export tooling is on the roadmap — tell us you need it and we'll prioritise it for your account.
Do we need developers?
No. Rating logic is built with visual blocks. The API is there for your integrators when you're ready to quote from your own portal.
Pricing
Pricing you can repeat to your stakeholders.
One plan, then three simple scales. No sales call needed to work out what it costs, and no quote required to get started.
£249 / month
- 1 product
- 3 users
- 50,000 quotes / month
- Unlimited rate versions
- All 15 rating blocks
- API keys and quoting API
Estimate your monthly bill
Estimated monthly bill
£249per month
| Line | Amount |
|---|---|
| Standard base | £249 |
| Extra products, £95 each | £0 |
| User blocks, £40 per block of five | £0 |
| Quotes beyond 50,000, progressive | £0 |
Get started
Own your rating engine.
Want a hands-on look at the block builder and the quoting API? Connect and we'll set up a pre-seeded demo org for you.
- 15 minutes, not an hour. A product demo, not a slide deck.
- Bring your own panel. We'll scope a rate-table import and tell you an honest timeline.
- Procurement questions welcome. Security, residency and the DPA get covered properly.