For property insurers

Price home insurance from the address alone.

20+ building details, a reconstruction cost and flood risk for any address in Belgium and Luxembourg. Use them to pre-fill your form, or to sharpen the pricing you already run.

Pricing data + flood riskBelgium & Luxembourg
1
question for your customer: the address
~92%
of addresses come with a full 3D model of the building
7
insurers in Belgium and Luxembourg use our data to price risk

The infrastructure property insurers in Belgium and Luxembourg build on.

Trusted by insurers and credit institutions across Belgium and Luxembourg.

ArgentaKeytrade BankINGCredimoRecord CreditsBeobank
How it works

One address in. Everything you need to price out.

Today the customer answers a dozen questions about their own home, and often doesn't know the answers. We replace that list with one field.
Address
Vuurkruisenlaan 7, 8310
Building
Confirmed on the map ✓

One question for the customer

They type an address and confirm the building on a map. That is the whole input. Nobody fills in a 14-field form.
Reconstruction cost
€ 434,000
3D model · Flood risk: low

Twenty-plus details back

Building type, living area, volume, roof, garden, pool, secondary buildings, a 3D model, flood risk and a reconstruction cost, for every house. Use what your pricing needs.
Your quote flow
Customer details
✓ Done
Cover options
✓ Done
Property details
✓ Pre-filled
In progress
Premium
Next
Policy issued
Pending

Into the quote flow you already use

One API call pre-fills the property step. The customer confirms, and your pricing runs as it does today.
Who has to say yes

Three teams wait on the same answer.

Distribution

Customers drop out at the questions about their own home they can't answer.

How we fix it ↓
Pricing & actuarial

The premium rests on numbers the customer guessed when they signed.

How we fix it ↓
Portfolio & risk

Inflation and flood risk move the book away from the sums insured, policy by policy.

How we fix it ↓
One address, three answers

What changes for each team

The same data serves the quote flow, the pricing model and the back book.

01 · Distribution

Price a home policy while the customer is still in the flow.

One field from them, everything else from us. The customer confirms the building on a map, so there is no form left to abandon.

Request a live walkthrough →
Same quote, same address
Your form today
14 questions
Type of roof?
Total surface?
Secondary buildings?
Construction year?
Number of façades?
Pool?
+ 8 more
With Rock.estate
1 question
Vuurkruisenlaan 7, 8310 Sint-Kruis
✓ Building confirmed on the map · everything else pre-filled
02 · Pricing & actuarial

Price on the building, not on the customer's memory.

Keep your current grid and let us fill in the questions behind it, or move to a volume-based premium. The same 3D model, building details and flood risk serve both.

~92%
of addresses come with a full 3D model. Every answer states how much detail it carries.
Try the building catalog on any address →
One address, the building behind it
3D model · upload pending
3D model of the building
Placeholder. Replace with the 3D model image or video.
Living area
207 m²
Roof
Pitched
Façades
4
Secondary buildings
1
Flood risk
Low
Reconstruction cost
€ 434,000
03 · Portfolio & risk

Find the policies that are over- or under-insured.

Catch inflation-driven under-insurance across your entire back book. Run every policy against our reconstruction cost and flood risk, screen the data on new policies at signing, and fix it on the ones you already have.

Sum insured
Checked against today's reconstruction cost
Flood risk
Scored for every address in the book
Flagged
Over- or under-insured, per policy
Delivered as
One file back, ready for your renewal run
Request a test on your book →
Back book · sum insured check
Policy
Sum insured
Reconstruction cost
Status
Rue Haute 14, 1000
Flood risk: low
€ 310k
€ 434k
Under −25%
Av. Louise 220, 1050
Flood risk: low
€ 380k
€ 372k
In line
Parklaan 9, 2000
Flood risk: high
€ 520k
€ 455k
Over +14%
Sample of three policies. Every policy in your book gets the same check.

See what we return for one of your addresses.

A 30-minute call. Bring an address, we show the building data live.

Book a 30-min demo →
Pricing & actuarial

Not every reconstruction cost holds up in pricing.

In most policies the reconstruction cost is whatever the customer guessed when they signed. Here is how the common sources compare, and why we run a volume-based model.

The customer's guess
Whatever they declared at signing
A comparables model
Trained on other reconstruction values
We run this
A volume-based model
Priced part by part, per m³
Independent of the customer
No self-declared numbers
✕
✓
✓
Based on this building
Its own shape, volume and roof
✕
✕
✓
Method you can explain
Built the way a surveyor works
✕
Learns from its own output
✓
Kept up to date
Today's building rules and costs
✕
✕
✓
Time to a number
At signing
Instant
Instant, in the quote
Criteria met
0of 4
Weak basis for a premium
1of 4
Weak basis for a premium
4of 4
✓ Solid basis for a premium
We run this
A volume-based model
Priced part by part, per m³
✓ Solid basis for a premium
4 of 4
criteria met
A comparables model
Trained on other reconstruction values
Weak basis for a premium
1 of 4
criteria met
The customer's guess
Whatever they declared at signing
Weak basis for a premium
0 of 4
criteria met
Due diligence on the number

Questions your pricing team will ask.

Distribution decides it wants a shorter form. Pricing decides whether the data behind it is good enough to charge on.
What exactly is in the reconstruction cost?
Do we have to change our pricing?
Can we use the data without the reconstruction cost?
How do you assess flood risk?
What if an address has no 3D model?
How do we know it works on our portfolio?
What does the customer need to enter?
How does it reach our quote flow?
Request a test on a slice of your portfolio →
For lenders, insurers and financial institutions

See your our solution in action before you commit.

In 30 minutes we walk you through a few sample addresses, then run one of yours live. Bring any property you want to test.

For lender, insurer and financial-institution teams
Valuations, building data, flood risk and portfolio checks
We'll only use your details to arrange the demo.
Already a customer? Use the contact form →