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Reinsurers do not buy leads. They buy a better book.
The reason to support Amanati is what it does to the motor portfolio: continuous verified behaviour data, sharper risk selection, self-selection of better risks, and a distribution capability that brings cedants quality rather than volume.
The problem, in your terms
Motor combined ratios under sustained pressure. Cedants competing on price into a book they cannot differentiate. Behavioural data that exists in the market but sits in standalone telematics programmes with poor take-up, because nobody has given the driver a reason to keep the app installed.
The distribution question and the profitability question are usually answered by different vendors. Amanati answers them from the same household relationship.
Why take-up is the whole problem
Telematics propositions fail on retention, not on technology. A driver installs a scoring app for a discount and deletes it in month three.
A family safety app is opened weekly for reasons that have nothing to do with insurance. The behaviour data is a by-product of a relationship the household wants to keep.
The chain, summarised
Two links evidenced, two partial, two assumed. The full classification is published rather than buried.
What it gives a reinsurer
Risk selection
A behavioural score available at new business and at renewal, usable for selection and segmentation even in markets where behavioural pricing is restricted.
New business quality
Growth framed on the quality of what is written rather than the quantity. Better-priced business, healthier portfolio mix, and a cedant that is not buying share on rate alone.
Cedant enablement
A distribution capability a reinsurer can bring to its cedants — digital channel, agent enablement, or broker deployment — with behavioural data flowing back into the treaty relationship.
Portfolio persistency
A household in continuous contact through safety and assistance behaves differently at renewal from one contacted annually by letter.
Data rights
Rights in the derived score, retention, use and portability are contractual and explicit. Nobody discovers their position at termination.
From pilot to treaty-relevant scale
The Morocco anchor pilot is designed to close the two assumed links in the chain: measured claims effect and measured self-selection, against a control. Scale follows the evidence rather than preceding it.
Horizon one is Morocco. Horizon two is Africa through insurer and assistance partners. Horizon three is the global assistance network, where a federated deployment reaches portfolios a single-market pilot cannot.
What is live today
Capture and scoring: Pilot
Monthly household reporting: Pilot
Claims effect measurement: In build
Portfolio-level reinsurer reporting: Planned
The evidence pack, for your actuarial team.
Every link with its sources, its gaps, and the pilot design built to close them.