Shared Infrastructure
Shared Value
The National Motor Claims Database is designed as shared national infrastructure. Our pricing is intentionally simple, predictable, and fair.
The value case: InsurerLink is built to reduce fraud, claims leakage, and manual verification work. The actual return depends on your claims volume and fraud exposure — we'll model it with you against your own portfolio.
A single prevented fraudulent claim is often worth many multiples of the subscription cost for the vehicle it was filed against.
National Utility
Structured to support long-term participation across the entire ecosystem.
Fair Proportions
Insurers pay in direct proportion to the size of their motor portfolio.
The True Value of Intelligence
While subscription costs are transparent and predictable, the real value of InsurerLink extends far beyond the monthly fee.
Risk Avoidance
Prevent costly fraudulent claims before they're paid. Each prevented claim saves thousands in direct costs plus associated legal and administrative expenses.
Value: Prevents losses before they occur
Operational Excellence
Real-time verification replaces hours of manual research with an instant lookup, freeing your team for higher-value work.
Value: less time spent on manual verification
Strategic Intelligence
Market-wide insights enable better pricing decisions, competitive positioning, and identification of emerging fraud patterns before they impact your portfolio.
Value: Competitive advantage & market intelligence
Investment vs. Expense
InsurerLink is not just a cost—it's infrastructure. The subscription fee is transparent and predictable; the value it returns depends on your fraud exposure and claims volume, which is why we build the case with each insurer rather than quote a universal multiple.
Transparent
Fee Structure
The rates below describe the insurer subscription model. Council or market-wide deployments are scoped separately; source access, licensing, hosting, integration and support terms are set out in the deployment proposal. The calculator estimates subscription fees only.
- Subscription fees shown below
- No per-query charges
- Scales with your portfolio
- Deployment terms agreed separately
Annual Subscription
The most cost-effective option for long-term strategic alignment and market stability.
Monthly Subscription
Flexible monthly billing for dynamic portfolio management and agile organizational needs.
Additional Options
Additional Users
Add additional users to your account with full access to the platform.
Reporting & Analytics
Access to reporting, analytics and claims trend analysis within your agreed permissions.
Subscription Cost Calculator
Calculate your subscription cost by portfolio size. The value case beyond the subscription — fraud prevented, time saved — depends on your claims history, and we'll model that with you directly.
* Pricing is subject to change based on available exchange rates
Total number of vehicles currently insured in your portfolio.
Number of additional users at $100.00/year per user (billed annually).
Users with AI reporting, analytics, and claims trend analysis at $75.00/year per user (billed annually).
Note: All pricing includes unlimited queries, reporting, and infrastructure maintenance. Additional users and AI features are billed annually regardless of subscription type.
Important: Pricing displayed in converted currencies is subject to change based on available exchange rates. Base pricing is in USD.
How We Calculate Impact
Our pricing model is transparent and straightforward. Compare the annual and monthly subscription plans to see your potential savings on subscription costs alone. The larger value case — fraud prevented, time saved — depends on your claims history, and we build that case with you directly rather than quote a universal multiple.
1. Subscription Cost Structure
Annual Plan: $0.40 per vehicle per month, paid upfront. For 2,500 vehicles = $0.00/month.
Monthly Plan: $0.50 per vehicle per month, billed monthly. 2,500 vehicles = $0.00/month.
Both plans include unlimited queries, reporting, and infrastructure maintenance with zero hidden fees.
2. Monthly Savings Calculation
By choosing the annual plan, you save $0.10 per vehicle per month compared to the monthly plan. This represents a 20% discount on vehicle costs. For 2,500 vehicles, this equals $250.00 in monthly savings.
Note: These are subscription cost savings only. The larger value case comes from preventing fraudulent claims and reducing administrative overhead — the actual size of that case depends on your claims history and fraud exposure.
Mathematical Framework
A single prevented fraudulent claim is frequently worth more than the annual subscription cost for the vehicle it was filed against — the exact ratio depends on your average claim size.
Where Your Investment Pays Off
InsurerLink is designed to create value across several dimensions. The size of the return depends on your claims volume and fraud exposure — we model it with each insurer rather than quote a universal figure.
Fraud Reduction
Flags duplicate filings and suspicious cross-insurer patterns before payment, for your team to investigate.
For review, not auto-denial
Operational Efficiency
Real-time verification replaces manual, multi-day research with an instant lookup.
vs. manual lookup
Risk Mitigation
Comprehensive claims history visibility supports fewer disputed claims and stronger evidence in litigation.
Every lookup logged
Strategic Intelligence
Market-wide, aggregated insights support better pricing decisions and competitive positioning.
Aggregated, not identified
Activate the National Intelligence Network
Begin the transition to data-driven motor claims management and collective market security.