Insurance Aggregators

Insurance Aggregator websites (aka Comparison websites) enable clients to complete a single form and obtain quotes from different insurers. Quotes for all insurers are returned (usually ordered lowest cost first) and the potential client can select a quote to purchase. Alternatively, as the quotation is stored in the insurer’s system, the client can return later (say, up to 30 days) to complete the purchase.

Over the past few years, there has been a substantial increase in the amount of insurance contracts concluded via the internet. The aggregators are developed with this in mind and are marketed as an “ultimate online one-stop insurance shop, giving consumers instant and easy access to a range of insurance solutions, tailored specifically to their insurance profile". Particularly prevalent in the personal lines marketplace, aggregators are starting to develop a presence in the commercial lines marketplace also.

Some examples of these sites, servicing the personal lines marketplace, are:


There are two stages to the quote retrieval. Firstly, some basic rules are supplied to the aggregator. For example, for a motor policy, only drivers aged over 21 may be acceptable.

Then, secondly, if these rules are passed, the aggregator will make a call over the internet to the insurer’s system (via a web service) that will supply the policy information entered on the aggregator’s site. Then, the response from the web service will return the premium amount and a web address link for the client to click on to proceed with the quote.

Architecture of Insurance Aggregator

Discover IT has a solution for a reliable, high-performance interface with aggregators. For example, we developed the interface for Principle Insurance and This basic architecture will be the same for all aggregators.

The key requirements when designing the solution were:

  • Speed: The quote list is populated in real-time as the results from the various insurers are returned. Therefore, if the response to supply the quote is slow, it is possible that the client would proceed with one of the competitors.
  • Reliability: If the web service has errors, or is unavailable, then potential clients would be prevented from purchasing. Rigorous load testing was undertaken to assure that the system could cope with the high volumes associated with aggregator sites.
  • Up-selling: It was important to include the ability to purchase additional services such as Breakdown, Personal Accident, and Legal Cover.
More Information on Aggregation Architecture.
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